# EDGAR Filing Document

**Accession Number:** 0001176320
**File Stem:** 0001104659-25-055854
**Filing Date:** 2025-6
**Character Count:** 1474367
**Document Hash:** c200fc8d0f8c0aa7346f734d0cfd05da
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001104659-25-055854.hdr.sgml**: 20250603

**ACCESSION NUMBER**: 0001104659-25-055854

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

**PUBLIC DOCUMENT COUNT**: 22

**CONFORMED PERIOD OF REPORT**: 20250603

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

**FILED AS OF DATE**: 20250603

**DATE AS OF CHANGE**: 20250603

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

**ABS ASSET CLASS**: Residential mortgages - Prime

**FILER**: 

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

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-02354
- **FILM NUMBER:** 251018321

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

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

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

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

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

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

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

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

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

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

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM ABS-15G**

**ASSET-BACKED SECURITIZER**

**REPORT PURSUANT TO SECTION 15G OF**

**THE SECURITIES EXCHANGE ACT OF 1934**

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

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

Date of Report (Date of earliest event reported): ______________

Commission File Number of securitizer: ______________

Central Index Key Number of securitizer: ______________

<u> </u>

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

contact in connection with this filing.

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

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

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

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

Central Index Key Number of depositor: 0001176320

Central Index Key Number of sponsor: N/A

<u>Sequoia Mortgage Trust 2025-6</u>

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

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

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

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

contact in connection with this filing.

**INFORMATION TO BE INCLUDED IN THE REPORT**

---

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

---

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

**SIGNATURES**

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

Dated: June 3, 2025

---

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

---

**EXHIBIT INDEX**

<u>Exhibit Number</u>

---

| | |
|:---|:---|
| [99.1](tm2516936d1_ex99-1.htm) | [Clayton Services LLC ("Clayton") Due Diligence Narrative Report](tm2516936d1_ex99-1.htm) |
| [99.2](tm2516936d1_ex99-2.htm) | [Clayton Loan Level Tape Compare Upload](tm2516936d1_ex99-2.htm) |
| [99.3](tm2516936d1_ex99-3.htm) | [Clayton Rating Agency ATR QM Data Fields](tm2516936d1_ex99-3.htm) |
| [99.4](tm2516936d1_ex99-4.htm) | [Clayton ATR QM Upload](tm2516936d1_ex99-4.htm) |
| [99.5](tm2516936d1_ex99-5.htm) | [Clayton Valuations Summary](tm2516936d1_ex99-5.htm) |
| [99.6](tm2516936d1_ex99-6.htm) | [Clayton Conditions Report 2.0](tm2516936d1_ex99-6.htm) |
| [99.7](tm2516936d1_ex99-7.htm) | [Clayton Waived Conditions Summary](tm2516936d1_ex99-7.htm) |
| [99.8](tm2516936d1_ex99-8.htm) | [AMC Diligence, LLC ("AMC") Due Diligence Executive Summary](tm2516936d1_ex99-8.htm) |
| [99.9](tm2516936d1_ex99-9.htm) | [AMC Loan Securitization Report Set](tm2516936d1_ex99-9.htm) |
| [99.10](tm2516936d1_ex99-10.htm) | [Consolidated Analytics,Inc ("Consolidated Analytics") Executive Summary](tm2516936d1_ex99-10.htm) |
| [99.11](tm2516936d1_ex99-11.htm) | [Consolidated Analytics Due Diligence Standard Report](tm2516936d1_ex99-11.htm) |
| [99.12](tm2516936d1_ex99-12.htm) | [Consolidated Analytics Rating Agency Grades Summary Report](tm2516936d1_ex99-12.htm) |
| [99.13](tm2516936d1_ex99-13.htm) | [Consolidated Analytics Valuations Report](tm2516936d1_ex99-13.htm) |
| [99.14](tm2516936d1_ex99-14.htm) | [Consolidated Analytics Data Compare Report](tm2516936d1_ex99-14.htm) |

---

## Exhibit 99.1

---

| | |
|:---|:---|
| **EXHIBIT 99.1** | **CLAYTON SERVICES LLC ("CLAYTON") DUE DILIGENCE NARRATIVE REPORT** |

---

![](tm2516936d1_ex99-1img001.jpg)

![](tm2516936d1_ex99-1img002.jpg)

**Due Diligence Narrative Report <br> May 27, 2025**

![](tm2516936d1_ex99-1img003.jpg)

&nbsp;&nbsp;**Table of Contents**

---

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

---

SEMT 2025-6 Due Diligence Narrative Report Page \| 1 May 27, 2025

![](tm2516936d1_ex99-1img003.jpg)

**Clayton Contact Information**

Client Service Management:

---

| | | |
|:---|:---|:---|
| ![](tm2516936d1_ex99-1img004.jpg) | **Chris Turk** | Client Service Manager |

---

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

---

| | | |
|:---|:---|:---|
| ![](tm2516936d1_ex99-1img004.jpg) | **Joe Ozment** | Director of Securitization |

---

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

**Overview**

On behalf of Redwood Trust, Clayton conducted an independent third-party pre-securitization due diligence review of 258 residential loans selected for the SEMT 2025-6 transaction.

The loans referenced in this narrative report were reviewed on a flow basis from February 2025 to May 2025 at Clayton's centralized underwriting facilities in Tampa, FL. This narrative report provides information about the original lenders, the scope of work performed by Clayton, and the results of Clayton's review.

**Originators**

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.78% |
| &nbsp;&nbsp;Broker | &nbsp;&nbsp;22 | &nbsp;&nbsp;8.53% |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;234 | &nbsp;&nbsp;90.70% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**258** | &nbsp;&nbsp;**100.00%** |

---

**Clayton's Third Party Review ("TPR") Scope of Work**

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

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

SEMT 2025-6 Due Diligence Narrative Report Page \| 2 May 27, 2025

![](tm2516936d1_ex99-1img003.jpg)

Sampling

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

Review Type Loan Counts:

---

| | | |
|:---|:---|:---|
| ***Review Type*** | ***Loan Count<br> Reviewed by<br> Clayton***  | ***Scope Applied*** |
| **Full Review** | 258 | Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| **Limited Review** | 10 | Redwood Trust elected to have Clayton conduct a Limited Review in lieu of a Full Review on selected loans. This review was beyond the required minimum sample. The Limited Review consisted of a data capture and document assessment of the Final 1003 (Loan Application), Credit Report, Appraisal, Final HUD-1, Title Policy, Deed of Trust/Mortgage, Note and Purchase Contract. Loan grading was not applied to Limited Review loans. *The Clayton Review Results section of this narrative report does <u>not</u> include any loans from the Limited Review.*<br>If any required documents were missing, Clayton submitted appropriate conditions to Redwood Trust. Redwood Trust was responsible for obtaining any missing documents from its sellers in order to clear document conditions on Limited Reviews. |
| **Total Loan Population** | 268 |  |

---

Sponsor Acquisition Criteria

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

Loan Grading

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

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

SEMT 2025-6 Due Diligence Narrative Report Page \| 3 May 27, 2025

![](tm2516936d1_ex99-1img003.jpg)

TPR Component Review Scope

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

Credit Review

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

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

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

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

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

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

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

Property Valuation Review

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Original Appraisal Assessment

---

| |
|:---|
| Clayton reviewed the original appraisal provided to determine whether the original appraisal was complete, thorough and the original appraised value was reasonably supported. |
| For more detail on the original appraisal review scope and desk review definitions, please refer to <u>Appendix B</u> and to the guidelines cited above. |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Value Supported Analysis

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

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

---

| |
|:---|
| For loans reviewed in a post-close valuation review scenario various products were ordered to support the value within a 10% tolerance such as Desk Review, Field Reviews, AVMs, BPOs, Reconciliations or loans included a 2<sup>nd</sup> appraisal to support the value. Please refer to the Valuations Report for additional details per loan. |
| Clayton did not have independent access to any valuation products ordered by the Sellers. |
| Loans that had a Collateral Underwriter through Fannie/DU with a score of 2.5 or less and therefore did not require a 3rd party valuation product. |

---

SEMT 2025-6 Due Diligence Narrative Report Page \| 4 May 27, 2025

![](tm2516936d1_ex99-1img003.jpg)

Regulatory Compliance Review

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

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

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

&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;▪ 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 all loans in the pool. Clayton confirmed the loan files contain documentation to evidence the lender considered and verified the borrower's ability to Repay. This included identifying whether QM loans met agency exemptions or were underwritten in accordance with Appendix Q. |

---

&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. However, client reserves the right to review on a case-by- case basis.

---

| |
|:---|
| 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;▪ 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") firm's role as TPR conducting an independent third-party pre-securitization due diligence review ("Initial TRID Scope"). The Initial TRID Scope was created with guidance from outside counsel.

SEMT 2025-6 Due Diligence Narrative Report Page \| 5 May 27, 2025

![](tm2516936d1_ex99-1img003.jpg)

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

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

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

Data Capture

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

Data Integrity

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

&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

SEMT 2025-6 Due Diligence Narrative Report Page \| 6 May 27, 2025

![](tm2516936d1_ex99-1img001.jpg)

**Data Compare Results**

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

Summary of data compare results**:**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field Name** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;25 | &nbsp;&nbsp;90.31% |
| &nbsp;&nbsp;Debt to Income Ratio (Back) | &nbsp;&nbsp;68 | &nbsp;&nbsp;73.64% |
| &nbsp;&nbsp;Note Rate | &nbsp;&nbsp;2 | &nbsp;&nbsp;99.22% |
| &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;9 | &nbsp;&nbsp;96.51% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;25 | &nbsp;&nbsp;90.31% |

---

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

---

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

---

SEMT 2025-6 Due Diligence Narrative Report Page \| 7 May 27, 2025

![](tm2516936d1_ex99-1img001.jpg)

**Clayton Due Diligence Results**

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

**Initial and Final Overall Loan Grade Results**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | &nbsp;&nbsp;**Overall Grade Migration** | &nbsp;&nbsp;**Overall Grade Migration** | &nbsp;&nbsp;**Overall Grade Migration** | &nbsp;&nbsp;**Overall Grade Migration** | &nbsp;&nbsp;**Overall Grade Migration** | &nbsp;&nbsp;**Overall Grade Migration** |
|  | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** |
| &nbsp;&nbsp;**Final** |  | &nbsp;&nbsp;**A** | &nbsp;&nbsp;**B** | &nbsp;&nbsp;**C** | &nbsp;&nbsp;**D** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;101 | &nbsp;&nbsp;15 | &nbsp;&nbsp;20 | &nbsp;&nbsp;70 | &nbsp;&nbsp;**206** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**B** |  | &nbsp;&nbsp;7 | &nbsp;&nbsp;16 | &nbsp;&nbsp;29 | &nbsp;&nbsp;**52** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**C** |  |  |  |  | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**D** |  |  |  |  | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**101** | &nbsp;&nbsp;**22** | &nbsp;&nbsp;**36** | &nbsp;&nbsp;**99** | &nbsp;&nbsp;**258** |

---

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**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | &nbsp;&nbsp;**Credit Grade Migration** | &nbsp;&nbsp;**Credit Grade Migration** | &nbsp;&nbsp;**Credit Grade Migration** | &nbsp;&nbsp;**Credit Grade Migration** | &nbsp;&nbsp;**Credit Grade Migration** | &nbsp;&nbsp;**Credit Grade Migration** |
|  | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** |
| &nbsp;&nbsp;**Final** |  | &nbsp;&nbsp;**A** | &nbsp;&nbsp;**B** | &nbsp;&nbsp;**C** | &nbsp;&nbsp;**D** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;A | &nbsp;&nbsp;145 | &nbsp;&nbsp;17 | &nbsp;&nbsp;19 | &nbsp;&nbsp;55 | &nbsp;&nbsp;**236** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;B |  | &nbsp;&nbsp;5 | &nbsp;&nbsp;5 | &nbsp;&nbsp;12 | &nbsp;&nbsp;**22** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;C |  |  |  |  | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;D |  |  |  |  | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**145** | &nbsp;&nbsp;**22** | &nbsp;&nbsp;**24** | &nbsp;&nbsp;**67** | &nbsp;&nbsp;**258** |

---

**Initial and Final Property Valuation Grade Results**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | &nbsp;&nbsp;**Property Valuation Grade Migration** | &nbsp;&nbsp;**Property Valuation Grade Migration** | &nbsp;&nbsp;**Property Valuation Grade Migration** | &nbsp;&nbsp;**Property Valuation Grade Migration** | &nbsp;&nbsp;**Property Valuation Grade Migration** | &nbsp;&nbsp;**Property Valuation Grade Migration** |
|  | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** |
| &nbsp;&nbsp;**Final** |  | &nbsp;&nbsp;**A** | &nbsp;&nbsp;**B** | &nbsp;&nbsp;**C** | &nbsp;&nbsp;**D** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;A | &nbsp;&nbsp;235 | &nbsp;&nbsp;2 | &nbsp;&nbsp;1 | &nbsp;&nbsp;13 | &nbsp;&nbsp;**251** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;B |  |  | &nbsp;&nbsp;1 | &nbsp;&nbsp;6 | &nbsp;&nbsp;**7** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;C |  |  |  |  | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;D |  |  |  |  | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**235** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**19** | &nbsp;&nbsp;**258** |

---

**Initial and Final Regulatory Compliance Grade Results**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | &nbsp;&nbsp;**Compliance Grade Migration** | &nbsp;&nbsp;**Compliance Grade Migration** | &nbsp;&nbsp;**Compliance Grade Migration** | &nbsp;&nbsp;**Compliance Grade Migration** | &nbsp;&nbsp;**Compliance Grade Migration** | &nbsp;&nbsp;**Compliance Grade Migration** |
|  | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** |
| &nbsp;&nbsp;**Final** |  | &nbsp;&nbsp;**A** | &nbsp;&nbsp;**B** | &nbsp;&nbsp;**C** | &nbsp;&nbsp;**D** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;A | &nbsp;&nbsp;170 | &nbsp;&nbsp;6 | &nbsp;&nbsp;15 | &nbsp;&nbsp;36 | &nbsp;&nbsp;**227** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;B |  | &nbsp;&nbsp;4 | &nbsp;&nbsp;20 | &nbsp;&nbsp;7 | &nbsp;&nbsp;**31** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;C |  |  |  |  | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;D |  |  |  |  | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**170** | &nbsp;&nbsp;**10** | &nbsp;&nbsp;**35** | &nbsp;&nbsp;**43** | &nbsp;&nbsp;**258** |

---

SEMT 2025-6 Due Diligence Narrative Report Page \| 8 May 27, 2025

![](tm2516936d1_ex99-1img001.jpg)

**Clayton Third Party Reports Delivered**

Clayton furnished the following reports on this transaction:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;3. ASF Upload

&nbsp;&nbsp;&nbsp;&nbsp;4. ATR QM Upload

&nbsp;&nbsp;&nbsp;&nbsp;5. Conditions Report

&nbsp;&nbsp;&nbsp;&nbsp;6. HOA Report

&nbsp;&nbsp;&nbsp;&nbsp;7. Loan Level Tape Compare Upload

&nbsp;&nbsp;&nbsp;&nbsp;8. Rating Agency ATR QM Upload

&nbsp;&nbsp;&nbsp;&nbsp;9. Sale Report

&nbsp;&nbsp;&nbsp;&nbsp;10. Valuations Summary Reports

&nbsp;&nbsp;&nbsp;&nbsp;11. Waived Conditions Summary Report

SEMT 2025-6 Due Diligence Narrative Report Page \| 9 May 27, 2025

![](tm2516936d1_ex99-1img001.jpg)

**Appendix A: Credit Review Scope**

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

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

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

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

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

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

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

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

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

– Citizenship status <br> – 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 <br> – Final loan application was in the loan file and was complete <br> – Information and debts disclosed on loan application aligned with related documentation in the loan file

&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 <br> – Documents did not appear to have been altered or inconsistent <br> – IRS Form 4506-T

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tax returns

▪ Financial statements

▪ Paystubs

▪ W-2s

SEMT 2025-6 Due Diligence Narrative Report Page \| 10 May 27, 2025

![](tm2516936d1_ex99-1img001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 1099

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ IRS documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Bank statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Lease agreements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Award letters

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Depository account statements

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Gift funds

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Settlements statements

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 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;&nbsp;&nbsp;&nbsp;&nbsp;▪ Fee simple

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 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 |

---

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

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

SEMT 2025-6 Due Diligence Narrative Report Page \| 11 May 27, 2025

![](tm2516936d1_ex99-1img001.jpg)

– Confirmed that any required insurance was for the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct borrower

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct lender

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct loan number

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 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 <br> – Borrower name variations

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

– Borrower address history <br> – Subject property ownership history

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

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

– Mortgage lender/originator <br> – Loan officer

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

SEMT 2025-6 Due Diligence Narrative Report Page \| 12 May 27, 2025

![](tm2516936d1_ex99-1img001.jpg)

**Appendix B: Origination Appraisal Assessment**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;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 2090 – Individual Cooperative Appraisal Report. Used for individual cooperative units |
| FNMA 2000/FHLMC 1032 – One Unit Residential Appraisal Field Review |
| FNMA 2000a/FHLMC 1072 – Two to Four Unit Residential Appraisal Field Review |

---

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

---

| |
|:---|
| Appraisal report form, certification, statement of limiting conditions and scope of work |
| Accurate identification of the subject property |
| Accurate identification of the subject loan transaction |
| Accurate identification of the property type, in both land and improvements |
| All required attachments including: |

---

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Location map

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

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

---

| |
|:---|
| Evidence that appraisal report was made "As Is" or provided satisfactory evidence of completion for all material conditions |
| Appraisal date met supplied Sponsor Acquisition Criteria |
| If applicable to Sponsor Acquisition Criteria requirements, a second full appraisal was furnished and met Sponsor Acquisition Criteria |

---

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

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

---

| |
|:---|
| If the appraisal was completed by a trainee or licensed appraiser unqualified to independently sign the report, an appropriately licensed appraiser co-signed as a supervisory appraiser and inspected the property |
| Determined that either the appraiser or supervisory appraiser was appropriately licensed by verifying the appraiser's license included in the appraisal. |

---

SEMT 2025-6 Due Diligence Narrative Report Page \| 13 May 27, 2025

![](tm2516936d1_ex99-1img001.jpg)

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;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;▪ 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;▪ % 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;▪ 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;▪ 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;▪ 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;▪ 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

SEMT 2025-6 Due Diligence Narrative Report Page \| 14 May 27, 2025

![](tm2516936d1_ex99-1img001.jpg)

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

G. Desk Review definitions

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

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

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

SEMT 2025-6 Due Diligence Narrative Report Page \| 15 May 27, 2025

![](tm2516936d1_ex99-1img001.jpg)

**Appendix C: Regulatory Compliance Review Scope**

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

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

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

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

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

&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)

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

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

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

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)

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

SEMT 2025-6 Due Diligence Narrative Report Page \| 16 May 27, 2025

![](tm2516936d1_ex99-1img001.jpg)

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

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

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

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

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

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

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

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

---

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

---

SEMT 2025-6 Due Diligence Narrative Report Page \| 17 May 27, 2025

![](tm2516936d1_ex99-1img001.jpg)

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

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

---

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

---

**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).

**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** |
| Maine | Ohio | South Carolina |
| Massachusetts | Rhode Island | |

---

SEMT 2025-6 Due Diligence Narrative Report Page \| 18 May 27, 2025

![](tm2516936d1_ex99-1img001.jpg)

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

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

---

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

---

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

**F.** **Texas Equity** 

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

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

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

SEMT 2025-6 Due Diligence Narrative Report Page \| 19 May 27, 2025

![](tm2516936d1_ex99-1img001.jpg)

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

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

SEMT 2025-6 Due Diligence Narrative Report Page \| 20 May 27, 2025

## Exhibit 99.2

---

| | |
|:---|:---|
| **EXHIBIT 99.2** | **CLAYTON LOAN LEVEL TAPE COMPARE UPLOAD** |

---

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **SEMT 2025-6** |
| **Start - End Dates:** | **2/19/2025 - 5/20/2025** |
| **Deal Loan Count:** | **258** |
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |
| *Loans in Report* | *258* |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 409008781 | XXXXX | Note Rate | XXXXX | XXXXX |
| 409008938 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409008938 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409009068 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409009111 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409009261 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409009304 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409009340 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409009340 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409009340 | XXXXX | Original Balance | XXXXX | XXXXX |
| 409009340 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409009517 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409009517 | XXXXX | Original Balance | XXXXX | XXXXX |
| 409009517 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409009525 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409009525 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409009547 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409009551 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409011480 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409011507 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409011512 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409011512 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409011512 | XXXXX | Original Balance | XXXXX | XXXXX |
| 409011512 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409011637 | XXXXX | Original Balance | XXXXX | XXXXX |
| 409011650 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409011652 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409011652 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409011652 | XXXXX | Original Balance | XXXXX | XXXXX |
| 409011652 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409011904 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409011964 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409011965 | XXXXX | Note Rate | XXXXX | XXXXX |
| 409012035 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409012035 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012035 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409012059 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409012059 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012059 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409012072 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012074 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409012074 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409012088 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409012088 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012088 | XXXXX | Original Balance | XXXXX | XXXXX |
| 409012088 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409012091 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409012091 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012091 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409012098 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409012098 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012098 | XXXXX | Original Balance | XXXXX | XXXXX |
| 409012098 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409012104 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012114 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012192 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012194 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012211 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012236 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409012236 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409012253 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409012253 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409012285 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012304 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012319 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012325 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012328 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012352 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012353 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409012353 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409012371 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012377 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409012377 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012377 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409012387 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012415 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012428 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012433 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012439 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409012439 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409012449 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012458 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012461 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012464 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012488 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409012488 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409012491 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012527 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012532 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012532 | XXXXX | Original Balance | XXXXX | XXXXX |
| 409012545 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409012545 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012545 | XXXXX | Original Balance | XXXXX | XXXXX |
| 409012545 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409012564 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409012564 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409012566 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012582 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012583 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012594 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409012594 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409012597 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012610 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409012610 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012610 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409012674 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012699 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012722 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012724 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012727 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012740 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012768 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409012768 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409012779 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012780 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012790 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409012790 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409012833 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012839 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012878 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012972 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012973 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012983 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409013063 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409013077 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409013077 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409013077 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409013081 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409013167 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |

---

©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 99.3

---

| | |
|:---|:---|
| **EXHIBIT 99.3** | **CLAYTON RATING AGENCY ATR QM DATA FIELDS** |

---

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **SEMT 2025-6** |
| **Start - End Dates:** | **2/19/2025 - 5/20/2025** |
| **Deal Loan Count:** | **258** |
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |
| *Loans in Report:* | *258* |

---

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** | **Bwr 1 Foreign National Indicator** | **Bwr 2 Foreign National Indicator** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Residual Income Analysis in File** | **ATR/QM Residual Income** |
| 409007890 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 3153.03 | XXXXX | 6.9114 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409008772 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 5129.83 | XXXXX | 6.6732 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409008778 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 7956.4 | XXXXX | 6.9216 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409008781 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 2020 | XXXXX | 6.6784 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409008839 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1470 | XXXXX | 7.0315 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409008871 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 8657.77 | XXXXX | 6.2826 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409008875 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1720 | XXXXX | 6.7793 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | XXXXX |
| 409008938 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 4700 | XXXXX | 6.9329 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409009001 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1494.25 | XXXXX | 6.8917 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409009068 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 2020 | XXXXX | 6.8172 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409009111 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1730 | XXXXX | 6.6219 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409009140 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1100 | XXXXX | 6.6719 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409009166 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1670 | XXXXX | 6.7951 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409009170 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1880.25 | XXXXX | 6.9084 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409009218 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1405.4 | XXXXX | 6.7758 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409009253 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2170 | XXXXX | 7.0224 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409009261 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 6417.94 | XXXXX | 7.0514 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409009262 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1720 | XXXXX | 6.9171 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409009304 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1515 | XXXXX | 6.259 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409009315 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 16064 | XXXXX | 7.4004 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409009340 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2254.05 | XXXXX | 6.6438 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409009517 | QM: Rebuttable Presumption (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 10890 | XXXXX | 8.8352 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409009525 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1790 | XXXXX | 6.8811 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409009547 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 3867.25 | XXXXX | 6.7458 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409009551 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1717 | XXXXX | 6.9198 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409011480 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 1690 | XXXXX | 7.2748 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409011484 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1295 | XXXXX | 6.907 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409011492 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1100 | XXXXX | 6.7671 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409011507 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1800 | XXXXX | 6.6534 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409011512 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 0 | XXXXX | 6.4446 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409011515 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 0 | XXXXX | 6.7133 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409011637 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1080 | XXXXX | 6.7661 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409011650 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 9621.98 | XXXXX | 6.5953 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409011652 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1855 | XXXXX | 7.8938 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409011749 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1545 | XXXXX | 6.2668 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409011758 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 9270.2 | XXXXX | 6.3901 | Employed | Employed | Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | No | XXXXX |
| 409011771 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2090 | XXXXX | 6.5181 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409011778 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1545 | XXXXX | 6.4906 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409011781 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2243 | XXXXX | 6.9795 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409011789 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 3853.24 | XXXXX | 6.8 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409011878 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2190 | XXXXX | 6.7972 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409011898 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2576 | XXXXX | 6.3237 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409011899 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1100 | XXXXX | 6.6338 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409011900 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 18573 | XXXXX | 7.04 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409011901 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 2020 | XXXXX | 6.7807 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409011904 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1635 | XXXXX | 6.9286 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXX |
| 409011916 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1499 | XXXXX | 7.1494 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409011937 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2020 | XXXXX | 6.9219 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409011939 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1465 | XXXXX | 6.6109 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409011947 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 3390 | XXXXX | 6.648 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409011948 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2030.25 | XXXXX | 7.4019 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409011949 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 1620 | XXXXX | 6.3558 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409011964 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 4695 | XXXXX | 6.5275 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409011965 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1694 | XXXXX | 7.1743 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409011979 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2365 | XXXXX | 6.6467 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409011987 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1640 | XXXXX | 6.3889 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409011988 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1250 | XXXXX | 6.6345 | Employed | Unemployed | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409011996 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1545 | XXXXX | 6.7653 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012033 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 1695 | XXXXX | 6.902 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012035 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1195 | XXXXX | 7.1407 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012045 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1835.25 | XXXXX | 6.8963 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012053 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 2710.25 | XXXXX | 6.8276 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012059 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 1720 | XXXXX | 6.6467 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012063 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 9902 | XXXXX | 7.4586 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012072 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2020 | XXXXX | 6.6625 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| 409012074 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 1870 | XXXXX | 6.5232 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012088 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 124 | XXXXX | 6.8574 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012091 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2090 | XXXXX | 7.2681 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012098 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 1640 | XXXXX | 6.4036 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012102 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 8111 | XXXXX | 7.0795 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012103 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2020 | XXXXX | 6.5255 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012104 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2090 | XXXXX | 7.0501 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| 409012113 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1950 | XXXXX | 7.3717 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012114 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1720 | XXXXX | 6.8199 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012126 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 0 | XXXXX | 6.6408 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012192 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1588 | XXXXX | 6.6658 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012194 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 11075 | XXXXX | 7.0883 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012203 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1980 | XXXXX | 6.6115 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012210 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 5799 | XXXXX | 7.0759 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012211 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1795 | XXXXX | 7.0273 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012218 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1890 | XXXXX | 7.0124 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012234 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2020 | XXXXX | 6.6207 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012236 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 3294 | XXXXX | 6.6767 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012237 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 875 | XXXXX | 6.3747 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012240 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 1640 | XXXXX | 6.6436 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012245 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2328 | XXXXX | 6.9347 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012253 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1620 | XXXXX | 6.2863 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012255 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1510 | XXXXX | 6.7111 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012263 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1900 | XXXXX | 6.6568 | Unemployed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | XXXXX |
| 409012268 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1565 | XXXXX | 6.8169 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012284 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2225.25 | XXXXX | 6.9992 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012285 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 0 | XXXXX | 6.788 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012303 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1675 | XXXXX | 6.6707 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012304 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1715 | XXXXX | 6.6454 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012308 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 1695 | XXXXX | 7.1485 | Employed | Employed | Permanent Resident Alien | U.S. Citizen | (No Data) | No | XXXXX |
| 409012309 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2230.25 | XXXXX | 6.7781 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012315 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1650 | XXXXX | 6.7897 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012317 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1695 | XXXXX | 6.4019 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012318 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1750 | XXXXX | 6.5883 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012319 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 4298.25 | XXXXX | 7.224 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012320 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 21538.49 | XXXXX | 6.7094 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012321 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1907 | XXXXX | 6.7799 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012325 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 11069.96 | XXXXX | 6.971 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012328 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1740 | XXXXX | 6.5603 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012330 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 14045 | XXXXX | 6.5615 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012335 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 2020 | XXXXX | 6.9408 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012340 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1395 | XXXXX | 7.1474 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012352 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 9195 | XXXXX | 7.1069 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012353 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 20155.17 | XXXXX | 6.9038 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012358 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1415 | XXXXX | 6.865 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012359 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 1620 | XXXXX | 6.8928 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012361 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 1695 | XXXXX | 6.9106 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012370 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2030.25 | XXXXX | 6.7847 | Employed | Employed | U.S. Citizen | Non-Permanent Resident Alien | (No Data) | No | XXXXX |
| 409012371 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2520 | XXXXX | 6.7762 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012377 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1495 | XXXXX | 6.531 | Retired | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012386 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 7316 | XXXXX | 7.4616 | Retired | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012387 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 2190 | XXXXX | 6.5159 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012411 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1380.25 | XXXXX | 6.798 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012414 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 3626.7 | XXXXX | 7.2841 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012415 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 14340 | XXXXX | 6.3853 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012416 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 17280.2 | XXXXX | 6.5406 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012424 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1675 | XXXXX | 6.7443 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012426 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1670.25 | XXXXX | 6.9061 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012428 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 22318 | XXXXX | 7.1576 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012433 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2125.25 | XXXXX | 6.5243 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012439 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1588 | XXXXX | 6.8463 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXX |
| 409012449 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1868 | XXXXX | 6.6619 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012452 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1381 | XXXXX | 6.8631 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012454 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 2265 | XXXXX | 6.6516 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012456 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1695 | XXXXX | 6.7091 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012458 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1250 | XXXXX | 6.6508 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012461 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1620 | XXXXX | 6.7736 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012464 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1770.25 | XXXXX | 6.8965 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| 409012474 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2125.25 | XXXXX | 6.9385 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012480 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 9319 | XXXXX | 6.901 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012485 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 31640 | XXXXX | 7.4289 | Employed | Unemployed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | No | XXXXX |
| 409012488 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 164 | XXXXX | 6.9961 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | No | XXXXX |
| 409012491 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1950 | XXXXX | 6.2722 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012511 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1240 | XXXXX | 6.9164 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012512 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1590 | XXXXX | 6.5411 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012519 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 22200 | XXXXX | 7.3927 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012523 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2295.25 | XXXXX | 7.0274 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012527 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1630 | XXXXX | 6.6449 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012529 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 1717.5 | XXXXX | 6.9248 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012532 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1395 | XXXXX | 6.6536 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012535 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1720 | XXXXX | 6.8986 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012536 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1690 | XXXXX | 6.8872 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012538 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1690 | XXXXX | 6.8024 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012544 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1900 | XXXXX | 6.7998 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012545 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 1590 | XXXXX | 6.6525 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012546 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 14070 | XXXXX | 6.2511 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012560 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 11313.5 | XXXXX | 6.8225 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012564 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1625.25 | XXXXX | 6.894 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012565 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1440 | XXXXX | 6.3679 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012566 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 18874.88 | XXXXX | 7.0368 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012567 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1720 | XXXXX | 6.7926 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| 409012568 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1857 | XXXXX | 6.6744 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012570 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1640 | XXXXX | 6.3069 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012574 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 22320 | XXXXX | 7.0366 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012575 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1570 | XXXXX | 6.3425 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012579 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1644.95 | XXXXX | 6.6488 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012581 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 12772 | XXXXX | 6.6374 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012582 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1790 | XXXXX | 6.5197 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012583 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1490 | XXXXX | 6.6076 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012594 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1990 | XXXXX | 6.6418 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012595 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1554.25 | XXXXX | 6.7629 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012596 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1990 | XXXXX | 6.7977 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012597 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 20035 | XXXXX | 6.8649 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012599 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1590 | XXXXX | 6.7979 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012602 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1640 | XXXXX | 6.771 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012605 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 1640 | XXXXX | 6.6633 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012607 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1590 | XXXXX | 6.6474 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012610 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1395 | XXXXX | 6.5255 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012613 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1585 | XXXXX | 6.3867 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012614 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1690 | XXXXX | 7.1647 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| 409012674 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1900 | XXXXX | 7.0337 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012695 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 1590 | XXXXX | 6.4075 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012699 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2286 | XXXXX | 6.8072 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012709 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2661 | XXXXX | 7.0157 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012711 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2995 | XXXXX | 6.7707 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012714 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1770 | XXXXX | 6.6609 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012715 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2060 | XXXXX | 7.1463 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012716 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 1720 | XXXXX | 6.7915 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012718 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1720 | XXXXX | 7.0291 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012722 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1887 | XXXXX | 6.6475 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012724 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 2650 | XXXXX | 6.5919 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012726 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 1940.25 | XXXXX | 6.8284 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012727 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 14562 | XXXXX | 6.8942 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012728 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2221 | XXXXX | 6.8624 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012731 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 11798 | XXXXX | 6.5938 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012736 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 8311 | XXXXX | 7.0018 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| 409012739 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1698 | XXXXX | 6.6685 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012740 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1740 | XXXXX | 6.9091 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012741 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 844.2 | XXXXX | 6.4035 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012745 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1679 | XXXXX | 6.7893 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012750 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1810 | XXXXX | 6.9474 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012755 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1790 | XXXXX | 6.5175 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012756 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1695 | XXXXX | 6.8598 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012763 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1287 | XXXXX | 6.5309 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012767 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1720 | XXXXX | 6.6569 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012768 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 1125 | XXXXX | 6.6499 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012771 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 1695 | XXXXX | 6.4279 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012773 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1720 | XXXXX | 6.6686 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012775 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1610.25 | XXXXX | 6.8959 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012779 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 17795 | XXXXX | 6.916 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012780 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 16845 | XXXXX | 6.8063 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012790 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1325.25 | XXXXX | 6.5556 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012793 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1865.25 | XXXXX | 6.7715 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012796 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 1720 | XXXXX | 6.5088 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012812 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2827.25 | XXXXX | 6.9288 | Unemployed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | No | XXXXX |
| 409012826 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2020 | XXXXX | 6.9116 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012833 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 8786 | XXXXX | 6.9774 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012839 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 1419 | XXXXX | 6.6664 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012841 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 4675.25 | XXXXX | 7.0581 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012848 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1580 | XXXXX | 6.8878 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012855 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 6706.36 | XXXXX | 7.2865 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012872 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 51982.98 | XXXXX | 8.0294 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012877 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 9475 | XXXXX | 7.2359 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | No | XXXXX |
| 409012878 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 4485.05 | XXXXX | 6.9074 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012900 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 7853 | XXXXX | 7.5579 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| 409012907 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1579 | XXXXX | 6.989 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012960 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2050.25 | XXXXX | 7.0141 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012961 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2000 | XXXXX | 7.6422 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012968 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 7891.05 | XXXXX | 7.3365 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012972 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 7317.93 | XXXXX | 6.9305 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012973 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 9846.64 | XXXXX | 6.9634 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012975 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1640 | XXXXX | 6.9051 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012983 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 32330 | XXXXX | 7.9903 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012987 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2243 | XXXXX | 7.4002 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012991 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1575 | XXXXX | 7.803 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013026 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 16745 | XXXXX | 7.7525 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409013030 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 1950 | XXXXX | 7.2921 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013051 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1720 | XXXXX | 6.5319 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013057 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 12348.65 | XXXXX | 6.8733 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409013059 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1670.25 | XXXXX | 6.9064 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013063 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 19540 | XXXXX | 7.6067 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013077 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 25999 | XXXXX | 7.4796 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013081 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1545 | XXXXX | 7.3856 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409013088 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2767 | XXXXX | 6.7765 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409013104 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 6786 | XXXXX | 7.3235 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| 409013110 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 11146.8 | XXXXX | 6.8399 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409013132 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 3361.2 | XXXXX | 6.9159 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXX |
| 409013136 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1495 | XXXXX | 6.9373 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| 409013167 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1580 | XXXXX | 6.6462 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013189 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1390 | XXXXX | 7.42 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXX |
| 409013203 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2065 | XXXXX | 7.3962 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013206 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2175 | XXXXX | 7.0107 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409013221 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 37865 | XXXXX | 7.3851 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013271 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 7095 | XXXXX | 7.4482 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409013272 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1595 | XXXXX | 7.3882 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409013297 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 6430 | XXXXX | 7.3305 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013309 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 1698 | XXXXX | 7.0234 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409013409 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1590 | XXXXX | 6.9127 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409013427 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 15700 | XXXXX | 7.2931 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013446 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 0 | XXXXX | 7.0914 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013451 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1545 | XXXXX | 6.7921 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013539 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 8697.85 | XXXXX | 7.0295 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409013555 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1675 | XXXXX | 7.0764 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |

---

©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** | **CLAYTON ATR QM UPLOAD** |

---

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **SEMT 2025-6** |
| **Start - End Dates:** | **2/19/2025 - 5/20/2025** |
| **Deal Loan Count:** | **258** |
| **ATR QM Upload** | **ATR QM Upload** |
| *Loans in Report:* | *258* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Original Principal Balance** | **State** | **Loan Level ATR/QM Status** | **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** | **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** | **Short Sale** | **Short Sale Date** | **Deed In Lieu** | **Deed In Lieu Date** | **QRM Flag** | **Borrower 2 Guarantor Flag** | **Borrower 3 Guarantor Flag** | **Borrower 4 Guarantor Flag** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** |
| 409007890 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9114 | Yes | Yes | 0.316 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 36 months;<br> Written VOE - 35 months; | Paystub - 1 months;<br> W2 - 36 months;<br> Written VOE - 35 months; | (No Data) | (No Data) |
| 409008772 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6732 | Yes | Yes | 0.466 | Not Applicable | No | Yes | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 36 months;<br> Written VOE - 25 months; | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 36 months;<br> Written VOE - 22 months; | (No Data) | (No Data) |
| 409008778 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9216 | Yes | Yes | 0.634 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 25 months; | (No Data) | (No Data) | (No Data) |
| 409008781 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6784 | Yes | Yes | 0.179 | Not Applicable | Yes | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Paystub - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 409008839 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0315 | Yes | Yes | 0.09 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) | (No Data) |
| 409008871 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.2826 | Yes | No | 1.013 | 0.120 | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 2 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 409008875 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7793 | Yes | Yes | 0.151 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 25 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 409008938 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9329 | No | No | 0.516 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | 1099 - 12 months;<br> Award Letter - 12 months;<br> Personal Bank Statements - 2 months; | (No Data) | (No Data) | (No Data) |
| 409009001 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8917 | Yes | Yes | 0.076 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 24 months;<br> P & L - 12 months;<br> Personal Tax Return - 12 months; | Business Tax Return - 24 months;<br> P & L - 12 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) |
| 409009068 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8172 | Yes | Yes | 0.232 | Not Applicable | Yes | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 409009111 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6219 | Yes | Yes | 0.2 | 0.215 | (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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 409009140 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6719 | Yes | Yes | 0.124 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 36 months; | (No Data) | (No Data) | (No Data) |
| 409009166 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7951 | No | No | 0.159 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409009170 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9084 | No | No | 0.109 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 14 months; | Paystub - 1 months;<br> W2 - 36 months;<br> Written VOE - 25 months; | (No Data) | (No Data) |
| 409009218 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7758 | Yes | Yes | 0.136 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 12 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409009253 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0224 | Yes | Yes | 0.154 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 409009261 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0514 | Yes | Yes | 0.462 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 24 months;<br> P & L - 12 months;<br> P & L Only - 12 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Business Tax Return - 24 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) |
| 409009262 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9171 | Yes | Yes | 0.167 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 25 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | (No Data) | (No Data) |
| 409009304 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2590 | Yes | Yes | 0.166 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 409009315 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.4004 | Yes | Yes | 1.55 | 1.555 | (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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 409009340 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6438 | Yes | Yes | 0.171 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 409009517 | XXXXX | XXXXX | XXXXX | QM: Rebuttable Presumption (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | Yes | No | Construction/Perm | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.8352 | Yes | Yes | 0.795 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | 1099 - 12 months;<br> Award Letter - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months; | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) |
| 409009525 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8811 | No | No | 0.191 | 0.191 | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 12 months; | (No Data) | (No Data) | (No Data) |
| 409009547 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7458 | Yes | Yes | 0.371 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 26 months; | Paystub - 1 months;<br> W2 - 12 months; | (No Data) | (No Data) |
| 409009551 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9198 | Yes | Yes | 0.186 | 0.186 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 12 months; | Written VOE - 24 months; | (No Data) | (No Data) |
| 409011480 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.2748 | Yes | Yes | 0.146 | Not Applicable | Yes | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 409011484 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9070 | Yes | Yes | 0.093 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 0 months;<br> W2 - 0 months;<br> Written VOE - 24 months; | Paystub - 0 months;<br> W2 - 0 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 409011492 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7671 | No | No | 0.129 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> Written VOE - 26 months; | (No Data) | (No Data) | (No Data) |
| 409011507 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6534 | Yes | Yes | 0.116 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months; | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409011512 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4446 | Yes | Yes | 0.124 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 0 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 409011515 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7133 | Yes | Yes | 0.679 | 0.030 | Yes | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Offer Letter - 1 months; | (No Data) | (No Data) | (No Data) |
| 409011637 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7661 | Yes | Yes | 0.117 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 25 months; | (No Data) | (No Data) |
| 409011650 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.5953 | Yes | No | 0.947 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 36 months;<br> P & L - 14 months;<br> Personal Tax Return - 36 months;<br> W2 - 24 months; | 1099 - 24 months;<br> IRS Transcripts – Tax Return(s) - 36 months;<br> P & L - 12 months;<br> Personal Tax Return - 36 months; | (No Data) | (No Data) |
| 409011652 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.8938 | Yes | Yes | 0.125 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 409011749 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2668 | Yes | Yes | 0.114 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 26 months; | (No Data) | (No Data) | (No Data) |
| 409011758 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3901 | Yes | Yes | 0.673 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 409011771 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.5181 | No | No | 0.105 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) | (No Data) |
| 409011778 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4906 | Yes | Yes | 0.118 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 409011781 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9795 | Yes | Yes | 0.164 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> Written VOE - 27 months; | (No Data) | (No Data) | (No Data) |
| 409011789 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8000 | No | No | 0.407 | 0.120 | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> Paystub - 2 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months;<br> Written VOE - 11 months; | (No Data) | (No Data) | (No Data) |
| 409011878 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7972 | Yes | Yes | 0.187 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 26 months; | (No Data) | (No Data) | (No Data) |
| 409011898 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3237 | Yes | Yes | 0.289 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 25 months; | (No Data) | (No Data) | (No Data) |
| 409011899 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6338 | Yes | Yes | 0.056 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 24 months; | IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 12 months;<br> Personal Tax Return - 12 months; | (No Data) | (No Data) |
| 409011900 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0400 | Yes | Yes | 1.574 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Award Letter - 12 months;<br> Personal Bank Statements - 1 months; | Award Letter - 12 months;<br> Personal Bank Statements - 1 months; | (No Data) | (No Data) |
| 409011901 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7807 | No | No | 0.209 | Not Applicable | Yes | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409011904 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9286 | No | No | 0.191 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 409011916 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.1494 | Yes | Yes | 0.14 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 409011937 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9219 | Yes | Yes | 0.116 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Personal Bank Statements - 2 months; | (No Data) | (No Data) | (No Data) |
| 409011939 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6109 | Yes | Yes | 0.105 | Not Applicable | No | Yes | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 409011947 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | 1 | 6.6480 | No | Yes | 0.113 | Not Applicable | No | Yes | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409011948 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | 1 | 7.4019 | No | No | 0.148 | Not Applicable | No | Yes | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 36 months;<br> Written VOE - 24 months; | Offer Letter - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 409011949 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.3558 | Yes | No | 0.137 | Not Applicable | Yes | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Award Letter - 12 months; | (No Data) | (No Data) | (No Data) |
| 409011964 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5275 | Yes | Yes | 0.236 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 24 months;<br> CPA Letter - 272 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) | (No Data) |
| 409011965 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.1743 | Yes | Yes | 0.162 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months; | IRS Transcripts – Tax Return(s) - 12 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409011979 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6467 | Yes | Yes | 0.182 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months; | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409011987 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.3889 | No | No | 0.11 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Award Letter - 12 months;<br> Personal Bank Statements - 2 months; | (No Data) | (No Data) | (No Data) |
| 409011988 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6345 | Yes | Yes | 0.067 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 27 months; | (No Data) | (No Data) | (No Data) |
| 409011996 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7653 | Yes | Yes | 0.111 | 0.111 | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409012033 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9020 | Yes | Yes | 0.184 | Not Applicable | Yes | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 409012035 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.1407 | Yes | Yes | 0.107 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 26 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 409012045 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8963 | Yes | Yes | 0.16 | 0.160 | No | Yes | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | No | No | (No Data) | Paystub - 2 months;<br> W2 - 24 months; | Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Paystub - 2 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 24 months; |
| 409012053 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8276 | No | No | 0.259 | Not Applicable | Yes | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | 1099 - 24 months;<br> Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 26 months; | (No Data) | (No Data) | (No Data) |
| 409012059 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 2 | 6.6467 | Yes | Yes | 0.173 | Not Applicable | Yes | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409012063 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.4586 | Yes | No | 0.557 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 13 months; | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409012072 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6625 | Yes | Yes | 0.196 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 26 months;<br> W2 - 24 months;<br> Written VOE - 26 months; | (No Data) | (No Data) | (No Data) |
| 409012074 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5232 | Yes | Yes | 0.214 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 409012088 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8574 | Yes | Yes | 0.008 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 25 months; | (No Data) | (No Data) |
| 409012091 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.2681 | Yes | No | 0.114 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Award Letter - 1 months;<br> Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months; | Award Letter - 1 months;<br> Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) |
| 409012098 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4036 | Yes | Yes | 0.193 | Not Applicable | Yes | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 26 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 26 months; | (No Data) | (No Data) |
| 409012102 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0795 | Yes | Yes | 0.819 | Not Applicable | Yes | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | No | No | Award Letter - 12 months; | Award Letter - 12 months; | W2 - 24 months;<br> Written VOE - 26 months; | W2 - 24 months;<br> Written VOE - 27 months; |
| 409012103 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5255 | Yes | Yes | 0.107 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409012104 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0501 | No | No | 0.219 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | 1099 - 24 months;<br> Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409012113 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3717 | No | No | 0.177 | 0.177 | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 2 months;<br> W2 - 12 months; | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months; | (No Data) | (No Data) |
| 409012114 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8199 | Yes | Yes | 0.083 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 409012126 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6408 | Yes | Yes | 0 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months; | (No Data) | (No Data) | (No Data) |
| 409012192 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6658 | Yes | Yes | 0.168 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) | (No Data) |
| 409012194 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0883 | No | No | 1.021 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> CPA Letter without Income - 182 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 36 months; | (No Data) | (No Data) |
| 409012203 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6115 | Yes | Yes | 0.216 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 26 months;<br> W2 - 24 months;<br> Written VOE - 26 months; | (No Data) | (No Data) | (No Data) |
| 409012210 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0759 | Yes | Yes | 0.682 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 26 months; | (No Data) | (No Data) | (No Data) |
| 409012211 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0273 | Yes | Yes | 0.127 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 26 months; | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 26 months; | (No Data) | (No Data) |
| 409012218 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0124 | Yes | Yes | 0.095 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 409012234 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6207 | Yes | Yes | 0.161 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409012236 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | 1 | 6.6767 | No | No | 0.402 | Not Applicable | No | Yes | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | 1099 - 12 months;<br> Award Letter - 12 months;<br> Paystub - 1 months;<br> Personal Bank Statements - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Award Letter - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409012237 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3747 | Yes | Yes | 0.093 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 409012240 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | 1 | 6.6436 | No | No | 0.174 | 0.174 | No | Yes | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 409012245 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9347 | Yes | Yes | 0.273 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 2 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 36 months;<br> Written VOE - 26 months; | (No Data) | (No Data) |
| 409012253 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2863 | Yes | Yes | 0.172 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 26 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 26 months; | (No Data) | (No Data) |
| 409012255 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7111 | Yes | Yes | 0.17 | 0.170 | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409012263 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6568 | Yes | Yes | 0.156 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | Paystub - 26 months;<br> W2 - 24 months;<br> Written VOE - 26 months; | (No Data) | (No Data) |
| 409012268 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8169 | Yes | Yes | 0.165 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Bank Statements - 12 months;<br> Personal Tax Return - 12 months; | (No Data) | (No Data) | (No Data) |
| 409012284 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9992 | Yes | Yes | 0.131 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) | (No Data) |
| 409012285 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7880 | No | No | 0 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 26 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 26 months; | (No Data) | (No Data) |
| 409012303 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6707 | Yes | Yes | 0.176 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> CPA Letter without Income - 60 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L Only - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 409012304 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6454 | Yes | Yes | 0.153 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | P & L - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 409012308 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.1485 | Yes | Yes | 0.157 | Not Applicable | Yes | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 24 months; | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 36 months; | (No Data) | (No Data) |
| 409012309 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7781 | Yes | Yes | 0.233 | Not Applicable | Yes | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 26 months; | (No Data) | (No Data) | (No Data) |
| 409012315 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7897 | Yes | Yes | 0.091 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Award Letter - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 26 months; | (No Data) | (No Data) | (No Data) |
| 409012317 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4019 | Yes | Yes | 0.127 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> Written VOE - 26 months; | Paystub - 1 months;<br> Written VOE - 26 months; | (No Data) | (No Data) |
| 409012318 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5883 | Yes | Yes | 0.147 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 26 months; | Personal Bank Statements - 2 months; | (No Data) | (No Data) |
| 409012319 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.2240 | Yes | Yes | 0.356 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | 1099 - 12 months;<br> Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months; | (No Data) | (No Data) | (No Data) |
| 409012320 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7094 | No | No | 2.161 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 22 months; | (No Data) | (No Data) |
| 409012321 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7799 | Yes | Yes | 0.178 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> Written VOE - 26 months; | Paystub - 1 months;<br> Written VOE - 26 months; | (No Data) | (No Data) |
| 409012325 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9710 | Yes | Yes | 0.887 | 0.887 | (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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 409012328 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5603 | Yes | Yes | 0.146 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> Personal Bank Statements - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 409012330 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5615 | Yes | Yes | 1.406 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 22 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 26 months; | (No Data) | (No Data) |
| 409012335 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9408 | No | No | 0.226 | 0.226 | Yes | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | 1099 - 24 months;<br> Award Letter - 1 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) | (No Data) |
| 409012340 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.1474 | Yes | Yes | 0.138 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 409012352 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.1069 | Yes | Yes | 1.012 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 409012353 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9038 | No | No | 1.444 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 72 months;<br> Written VOE - 26 months; | (No Data) | (No Data) | (No Data) |
| 409012358 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8650 | Yes | Yes | 0.167 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 13 months; | Paystub - 1 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 409012359 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | 1 | 6.8928 | No | No | 0.179 | 0.350 | No | Yes | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> Written VOE - 1 months; | Paystub - 2 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409012361 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9106 | Yes | Yes | 0.195 | Not Applicable | Yes | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 26 months; | (No Data) | (No Data) | (No Data) |
| 409012370 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7847 | Yes | Yes | 0.185 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 25 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 25 months; | (No Data) | (No Data) |
| 409012371 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7762 | Yes | Yes | 0.286 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | CPA Letter without Income - 1 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 26 months; | Paystub - 24 months;<br> Written VOE - 26 months; | (No Data) | (No Data) |
| 409012377 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5310 | Yes | Yes | 0.14 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Personal Bank Statements - 2 months; | (No Data) | (No Data) | (No Data) |
| 409012386 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.4616 | Yes | Yes | 0.758 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months; | (No Data) | (No Data) | (No Data) |
| 409012387 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5159 | Yes | Yes | 0.242 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Offer Letter - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 27 months; | (No Data) | (No Data) | (No Data) |
| 409012411 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7980 | Yes | Yes | 0.145 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 409012414 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.2841 | No | No | 0.359 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 27 months; | (No Data) | (No Data) | (No Data) |
| 409012415 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3853 | Yes | Yes | 1.461 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409012416 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5406 | Yes | Yes | 1.423 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 17 months; | (No Data) | (No Data) | (No Data) |
| 409012424 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7443 | Yes | No | 0.16 | 0.160 | (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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) |
| 409012426 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9061 | No | No | 0.156 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) |
| 409012428 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.1576 | No | No | 2.043 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 409012433 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5243 | Yes | Yes | 0.173 | 0.173 | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months; | (No Data) | (No Data) | (No Data) |
| 409012439 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | 1 | 6.8463 | No | No | 0.123 | 0.000 | No | Yes | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> CPA Letter - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> Personal Tax Return - 12 months; | (No Data) | (No Data) | (No Data) |
| 409012449 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6619 | Yes | Yes | 0.151 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 3 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) | (No Data) |
| 409012452 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8631 | No | No | 0.1 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | (No Data) | (No Data) | (No Data) |
| 409012454 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6516 | Yes | Yes | 0.274 | Not Applicable | No | Yes | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 26 months; | W2 - 24 months;<br> Written VOE - 7 months; | (No Data) | (No Data) |
| 409012456 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7091 | Yes | Yes | 0.165 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 15 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) | (No Data) |
| 409012458 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6508 | Yes | Yes | 0.144 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 26 months; | (No Data) | (No Data) | (No Data) |
| 409012461 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7736 | No | No | 0.159 | 159.000 | (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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 2 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 409012464 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8965 | Yes | Yes | 0.115 | 0.115 | (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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 409012474 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9385 | Yes | Yes | 0.191 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 26 months; | (No Data) | (No Data) | (No Data) |
| 409012480 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9010 | No | No | 0.974 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 17 months; | (No Data) | (No Data) | (No Data) |
| 409012485 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.4289 | Yes | Yes | 2.153 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 26 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 409012488 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9961 | No | No | 0.018 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 26 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 36 months; | (No Data) | (No Data) |
| 409012491 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2722 | Yes | Yes | 0.163 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 27 months; | (No Data) | (No Data) | (No Data) |
| 409012511 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9164 | Yes | Yes | 0.116 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 25 months; | (No Data) | (No Data) |
| 409012512 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5411 | Yes | Yes | 0.153 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 409012519 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.3927 | Yes | Yes | 1.921 | Not Applicable | Yes | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months; | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409012523 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0274 | No | No | 0.198 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months; | (No Data) | (No Data) | (No Data) |
| 409012527 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6449 | Yes | Yes | 0.149 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 29 months; | 1099 - 12 months;<br> Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L Only - 28 months;<br> Personal Tax Return - 12 months; | (No Data) | (No Data) |
| 409012529 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9248 | Yes | Yes | 0.144 | Not Applicable | Yes | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | 1099 - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Offer Letter - 1 months;<br> Paystub - 26 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months;<br> Written VOE - 27 months; | (No Data) | (No Data) | (No Data) |
| 409012532 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6536 | Yes | Yes | 0.12 | 0.120 | (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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Paystub - 2 months;<br> Paystub - 2 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 409012535 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8986 | Yes | Yes | 0.133 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 7 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 27 months; | (No Data) | (No Data) |
| 409012536 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8872 | No | No | 0.141 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 27 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 26 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 26 months; | (No Data) | (No Data) |
| 409012538 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8024 | Yes | Yes | 0.107 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 409012544 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7998 | Yes | Yes | 0.147 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> Written VOE - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 409012545 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6525 | Yes | Yes | 0.19 | Not Applicable | Yes | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 409012546 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2511 | Yes | Yes | 1.082 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 409012560 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8225 | Yes | Yes | 0.691 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 27 months; | (No Data) | (No Data) | (No Data) |
| 409012564 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8940 | No | No | 0.153 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 26 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 26 months; | (No Data) | (No Data) |
| 409012565 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3679 | Yes | Yes | 0.141 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 36 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 409012566 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0368 | Yes | Yes | 1.625 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 26 months;<br> W2 - 24 months;<br> Written VOE - 26 months; | (No Data) | (No Data) | (No Data) |
| 409012567 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7926 | No | No | 0.128 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 26 months; | (No Data) | (No Data) | (No Data) |
| 409012568 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6744 | Yes | Yes | 0.149 | 0.149 | No | Yes | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Paystub - 2 months;<br> W2 - 12 months;<br> Written VOE - 8 months; | (No Data) | (No Data) |
| 409012570 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3069 | Yes | Yes | 0.083 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Offer Letter - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months; | (No Data) | (No Data) | (No Data) |
| 409012574 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0366 | Yes | Yes | 1.622 | 1.672 | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 409012575 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3425 | Yes | Yes | 0.089 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 20 months; | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409012579 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6488 | Yes | Yes | 0.188 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409012581 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.6374 | No | No | 1.282 | Not Applicable | Yes | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 409012582 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5197 | Yes | Yes | 0.136 | 0.136 | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 409012583 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6076 | Yes | Yes | 0.076 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 12 months;<br> Personal Tax Return - 12 months; | (No Data) | (No Data) | (No Data) |
| 409012594 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6418 | Yes | Yes | 0.12 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 0 months;<br> Personal Bank Statements - 1 months;<br> W2 - 12 months; | (No Data) | (No Data) | (No Data) |
| 409012595 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7629 | No | No | 0.078 | 0.078 | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 409012596 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7977 | Yes | Yes | 0.161 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 26 months; | (No Data) | (No Data) | (No Data) |
| 409012597 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8649 | Yes | Yes | 2.227 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 27 months; | (No Data) | (No Data) | (No Data) |
| 409012599 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7979 | No | No | 0.098 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 3 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) | (No Data) |
| 409012602 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7710 | Yes | Yes | 0.125 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Lease Agreement - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 27 months; | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409012605 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6633 | Yes | Yes | 0.142 | Not Applicable | Yes | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 2 months; | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409012607 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6474 | Yes | Yes | 0.084 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 25 months; | (No Data) | (No Data) |
| 409012610 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5255 | Yes | Yes | 0.119 | 0.119 | (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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 409012613 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3867 | Yes | Yes | 0.104 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Written VOE - 27 months; | (No Data) | (No Data) | (No Data) |
| 409012614 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.1647 | No | No | 0.087 | 0.087 | (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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Offer Letter - 1 months;<br> W2 - 24 months; | Paystub - 2 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409012674 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0337 | Yes | Yes | 0.113 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 26 months;<br> W2 - 24 months;<br> Written VOE - 26 months; | Paystub - 26 months;<br> W2 - 24 months;<br> Written VOE - 26 months; | (No Data) | (No Data) |
| 409012695 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4075 | Yes | Yes | 0.179 | Not Applicable | Yes | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 27 months; | (No Data) | (No Data) |
| 409012699 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8072 | Yes | Yes | 0.169 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 409012709 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0157 | Yes | No | 0.153 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> CPA Letter - 1 months;<br> P & L Only - 12 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) | (No Data) |
| 409012711 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7707 | Yes | Yes | 0.269 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 12 months;<br> CPA Letter - 1 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 15 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 26 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 26 months; | (No Data) | (No Data) |
| 409012714 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6609 | Yes | Yes | 0.158 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 409012715 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.1463 | No | No | 0.157 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 26 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) |
| 409012716 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7915 | Yes | Yes | 0.214 | 0.214 | Yes | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 12 months; | Paystub - 2 months;<br> W2 - 12 months;<br> W2 - 12 months; | (No Data) | (No Data) |
| 409012718 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0291 | Yes | Yes | 0.149 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 409012722 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6475 | Yes | Yes | 0.172 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) | (No Data) |
| 409012724 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | 1 | 6.5919 | No | No | 0.268 | 0.192 | No | Yes | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 12 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 409012726 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8284 | Yes | Yes | 0.192 | Not Applicable | No | Yes | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Award Letter - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 16 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 25 months; | (No Data) | (No Data) |
| 409012727 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8942 | Yes | Yes | 1.347 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) |
| 409012728 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8624 | Yes | Yes | 0.201 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 25 months; | (No Data) | (No Data) | (No Data) |
| 409012731 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5938 | Yes | Yes | 0.927 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409012736 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | 1 | 7.0018 | No | No | 0.937 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 3 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months; | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 24 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 15 months; | (No Data) | (No Data) |
| 409012739 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6685 | Yes | Yes | 0.15 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months; | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 409012740 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9091 | Yes | Yes | 0.123 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 36 months;<br> Offer Letter - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 12 months; | (No Data) | (No Data) | (No Data) |
| 409012741 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4035 | Yes | Yes | 0.068 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 27 months;<br> W2 - 24 months; | Paystub - 27 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409012745 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7893 | Yes | No | 0.101 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 26 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 409012750 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9474 | Yes | Yes | 0.17 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 26 months; | (No Data) | (No Data) | (No Data) |
| 409012755 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5175 | Yes | Yes | 0.153 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 409012756 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8598 | Yes | Yes | 0.143 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months; | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 26 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409012763 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5309 | Yes | Yes | 0.074 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 24 months;<br> Paystub - 12 months; | (No Data) | (No Data) | (No Data) |
| 409012767 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6569 | Yes | Yes | 0.162 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 15 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months; | Paystub - 1 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 409012768 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6499 | Yes | Yes | 0.094 | Not Applicable | Yes | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L Only - 12 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months; | (No Data) | (No Data) | (No Data) |
| 409012771 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4279 | Yes | Yes | 0.157 | Not Applicable | Yes | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 4 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 26 months; | (No Data) | (No Data) |
| 409012773 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6686 | Yes | Yes | 0.128 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Award Letter - 12 months;<br> Personal Bank Statements - 2 months; | (No Data) | (No Data) | (No Data) |
| 409012775 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8959 | Yes | No | 0.137 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 36 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) | (No Data) |
| 409012779 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9160 | Yes | Yes | 1.653 | 1.653 | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 409012780 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8063 | Yes | Yes | 1.644 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 36 months; | Paystub - 26 months;<br> W2 - 24 months;<br> Written VOE - 27 months; | (No Data) | (No Data) |
| 409012790 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5556 | Yes | Yes | 0.134 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 36 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 409012793 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7715 | No | No | 0.193 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 27 months;<br> W2 - 24 months;<br> Written VOE - 27 months; | (No Data) | (No Data) | (No Data) |
| 409012796 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5088 | Yes | Yes | 0.196 | Not Applicable | Yes | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 26 months; | (No Data) | (No Data) | (No Data) |
| 409012812 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9288 | No | No | 0.208 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | (No Data) | (No Data) |
| 409012826 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9116 | Yes | Yes | 0.16 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Paystub - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409012833 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9774 | Yes | Yes | 0.982 | 0.000 | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409012839 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6664 | Yes | Yes | 0.179 | Not Applicable | Yes | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 27 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 27 months; | (No Data) | (No Data) |
| 409012841 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0581 | Yes | Yes | 0.262 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 12 months; | (No Data) | (No Data) | (No Data) |
| 409012848 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8878 | Yes | Yes | 0.079 | 0.079 | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | 1099 - 24 months;<br> Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 2 months;<br> Personal Tax Return - 24 months; | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 2 months; | (No Data) | (No Data) |
| 409012855 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.2865 | Yes | Yes | 0.471 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 409012872 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.0294 | No | No | 2.677 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Award Letter - 1 months;<br> Personal Bank Statements - 2 months; | (No Data) | (No Data) | (No Data) |
| 409012877 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.2359 | Yes | Yes | 1.042 | 1.042 | (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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 12 months; | (No Data) | (No Data) |
| 409012878 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9074 | Yes | Yes | 0.497 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | 1099 - 12 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | Personal Tax Return - 24 months; | (No Data) | (No Data) |
| 409012900 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.5579 | No | No | 0.548 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 26 months;<br> W2 - 24 months;<br> Written VOE - 27 months; | Paystub - 26 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409012907 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9890 | Yes | Yes | 0.178 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 15 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 409012960 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0141 | No | No | 0.114 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 27 months; | (No Data) | (No Data) |
| 409012961 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.6422 | Yes | Yes | 0.129 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | W2 - 24 months;<br> Written VOE - 26 months; | (No Data) | (No Data) | (No Data) |
| 409012968 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.3365 | Yes | Yes | 0.775 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 26 months;<br> Personal Bank Statements - 24 months;<br> W2 - 24 months;<br> Written VOE - 26 months; | (No Data) | (No Data) | (No Data) |
| 409012972 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9305 | Yes | Yes | 0.589 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Bank Statements - 1 months;<br> Business Tax Return - 24 months;<br> CPA Letter - 1 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L Only - 12 months;<br> Personal Tax Return - 24 months; | Business Bank Statements - 1 months;<br> Business Tax Return - 24 months;<br> CPA Letter - 1 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L Only - 12 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) |
| 409012973 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9634 | Yes | Yes | 0.803 | 0.803 | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 24 months;<br> P & L - 24 months;<br> Personal Tax Return - 24 months; | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) |
| 409012975 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9051 | Yes | Yes | 0.111 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months; | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 19 months; | (No Data) | (No Data) |
| 409012983 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.9903 | Yes | Yes | 2.207 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 409012987 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.4002 | Yes | Yes | 0.152 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 28 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 28 months; | (No Data) | (No Data) |
| 409012991 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.8030 | No | No | 0.15 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Personal Bank Statements - 2 months; | (No Data) | (No Data) | (No Data) |
| 409013026 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.7525 | Yes | Yes | 1.105 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 16 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 409013030 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | 1 | 7.2921 | No | No | 0.189 | Not Applicable | No | Yes | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 409013051 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5319 | Yes | Yes | 0.16 | 0.160 | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months; | Paystub - 2 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409013057 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8733 | Yes | Yes | 1.097 | 1.097 | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 409013059 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9064 | Yes | Yes | 0.168 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 409013063 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | 1 | 7.6067 | No | No | 0.994 | Not Applicable | No | Yes | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | 1099 - 12 months;<br> Personal Bank Statements - 1 months; | 1099 - 12 months;<br> Award Letter - 12 months;<br> Personal Bank Statements - 1 months; | (No Data) | (No Data) |
| 409013077 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.4796 | No | No | 1.901 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 27 months; | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409013081 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.3856 | Yes | Yes | 0.081 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | 1099 - 12 months;<br> Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 15 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months; | (No Data) | (No Data) | (No Data) |
| 409013088 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7765 | Yes | Yes | 0.213 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 409013104 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3235 | No | No | 0.692 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 409013110 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8399 | Yes | Yes | 0.725 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> P & L - 15 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 409013132 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9159 | No | No | 0.36 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 409013136 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9373 | No | No | 0.169 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 27 months; | (No Data) | (No Data) | (No Data) |
| 409013167 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6462 | Yes | Yes | 0.117 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 409013189 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.4200 | No | No | 0.14 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | Yes | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Personal Bank Statements - 2 months; | (No Data) | (No Data) | (No Data) |
| 409013203 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3962 | No | No | 0.16 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 36 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> Written VOE - 26 months; | IRS Transcripts – Tax Return(s) - 36 months;<br> Paystub - 1 months;<br> Written VOE - 26 months; | (No Data) | (No Data) |
| 409013206 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0107 | No | No | 0.179 | 0.179 | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 409013221 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.3851 | Yes | Yes | 2.411 | 2.411 | (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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 2 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409013271 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.4482 | No | No | 0.641 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 12 months;<br> Offer Letter - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 12 months; | (No Data) | (No Data) | (No Data) |
| 409013272 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3882 | No | No | 0.08 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 3 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 409013297 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | 1 | 7.3305 | No | No | 0.675 | Not Applicable | No | Yes | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months; | 1099 - 12 months;<br> Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 12 months;<br> Personal Tax Return - 12 months; | (No Data) | (No Data) |
| 409013309 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0234 | Yes | Yes | 0.176 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) | (No Data) |
| 409013409 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9127 | Yes | Yes | 0.134 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 409013427 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.2931 | Yes | Yes | 1.723 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 11 months; | (No Data) | (No Data) |
| 409013446 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0914 | No | Yes | 0 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 27 months;<br> W2 - 24 months;<br> Written VOE - 27 months; | (No Data) | (No Data) | (No Data) |
| 409013451 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7921 | Yes | Yes | 0.12 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Offer Letter - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 409013539 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0295 | No | No | 0.947 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 12 months; | (No Data) | (No Data) | (No Data) |
| 409013555 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0764 | No | No | 0.116 | Not Applicable | No | No | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 24 months;<br> P & L - 15 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> Written VOE - 27 months; | (No Data) | (No Data) |

---

©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** | **CLAYTON VALUATIONS SUMMARY** |

---

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **SEMT 2025-6** |
| **Start - End Dates:** | **2/19/2025 - 5/20/2025** |
| **Deal Loan Count:** | **258** |
| **Valuations Summary** |  |
| *Loans in Report:* | *258* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  |  | **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 / LCA Score** |
| 409007890 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409008772 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409008778 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409008781 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409008839 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409008871 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409008875 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409008938 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409009001 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409009068 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409009111 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409009140 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409009166 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409009170 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409009218 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409009253 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409009261 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409009262 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409009304 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409009315 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409009340 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409009517 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409009525 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409009547 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409009551 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409011480 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409011484 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409011492 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409011507 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409011512 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409011515 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409011637 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409011650 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409011652 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409011749 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409011758 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409011771 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409011778 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409011781 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409011789 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409011878 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409011898 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409011899 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409011900 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409011901 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409011904 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409011916 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409011937 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409011939 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409011947 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409011948 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409011949 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409011964 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409011965 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409011979 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409011987 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409011988 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409011996 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409012033 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012035 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012045 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409012053 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012059 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012063 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409012072 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012074 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012088 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012091 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409012098 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012102 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012103 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012104 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409012113 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409012114 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012126 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409012192 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012194 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012203 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012210 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409012211 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012218 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012234 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012236 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012237 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012240 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012245 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012253 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012255 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012263 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409012268 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012284 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012285 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012303 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012304 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012308 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012309 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012315 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012317 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012318 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409012319 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012320 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409012321 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012325 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409012328 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012330 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012335 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012340 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012352 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012353 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012358 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012359 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409012361 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012370 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409012371 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012377 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409012386 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012387 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012411 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012414 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012415 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012416 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012424 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409012426 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012428 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012433 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409012439 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012449 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409012452 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409012454 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012456 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012458 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012461 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409012464 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409012474 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012480 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012485 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012488 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012491 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012511 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409012512 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012519 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409012523 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012527 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012529 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012532 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409012535 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012536 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012538 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012544 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409012545 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012546 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012560 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012564 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012565 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012566 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012567 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012568 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012570 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012574 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409012575 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012579 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012581 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  | XXXXX | XXXXX | XXXXX | XXXXX | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012582 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409012583 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012594 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012595 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409012596 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012597 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012599 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012602 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012605 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012607 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012610 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409012613 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409012614 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409012674 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012695 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012699 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012709 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012711 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012714 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012715 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012716 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409012718 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012722 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012724 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409012726 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012727 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012728 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012731 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012736 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012739 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409012740 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012741 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012745 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012750 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409012755 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012756 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012763 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012767 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012768 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409012771 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012773 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012775 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012779 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409012780 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012790 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012793 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012796 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012812 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012826 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409012833 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012839 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012841 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012848 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012855 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012872 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012877 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409012878 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012900 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012907 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012960 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012961 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012968 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012972 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012973 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012975 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012983 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012987 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012991 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409013026 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013030 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013051 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409013057 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409013059 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013063 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409013077 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013081 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013088 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013104 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409013110 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013132 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409013136 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013167 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409013189 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013203 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013206 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013221 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409013271 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013272 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013297 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013309 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013409 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013427 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013446 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013451 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013539 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409013555 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |

---

## Exhibit 99.6

---

| | |
|:---|:---|
| **EXHIBIT 99.6** | **CLAYTON CONDITIONS REPORT 2.0** |

---

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **SEMT 2025-6** |
| **Start - End Dates:** | **2/19/2025 - 5/20/2025** |
| **Deal Loan Count:** | **258** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *258* |
| ***Loans with Conditions:*** | *205* |

---

---

| |
|:---|
| **0 - Total Active Conditions** |
| **434 - Total Satisfied Conditions** |
| 178 - Credit Review Scope |
| 7 - Category: Ability to Repay/Qualified Mortgage |
| 7 - Category: Application |
| 15 - Category: Assets |
| 14 - Category: Credit/Mtg History |
| 18 - Category: DTI |
| 72 - Category: Income/Employment |
| 10 - Category: Insurance |
| 6 - Category: Legal Documents |
| 1 - Category: LTV/CLTV |
| 26 - Category: Terms/Guidelines |
| 2 - Category: Title |
| 18 - Property Valuations Review Scope |
| 14 - Category: Appraisal |
| 1 - Category: FEMA |
| 3 - Category: Property |
| 238 - Compliance Review Scope |
| 28 - Category: Ability to Repay/Qualified Mortgage |
| 11 - Category: Compliance Manual |
| 3 - Category: Documentation |
| 2 - Category: Finance Charge Tolerance |
| 7 - Category: RESPA |
| 2 - Category: Right of Rescission |
| 3 - Category: State Consumer Protection |
| 2 - Category: Texas Home Equity |
| 180 - Category: TILA/RESPA Integrated Disclosure |
| **41 - Total Waived Conditions** |
| 25 - Credit Review Scope |
| 2 - Category: Assets |
| 4 - Category: Credit/Mtg History |
| 10 - Category: Income/Employment |
| 1 - Category: LTV/CLTV |
| 7 - Category: Terms/Guidelines |
| 1 - Category: Title |
| 8 - Property Valuations Review Scope |
| 6 - Category: Appraisal |
| 2 - Category: Property |
| 8 - Compliance Review Scope |
| 8 - Category: Right of Rescission |

---

©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.

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **SEMT 2025-6** |
| **Start - End Dates:** | **2/19/2025 - 5/20/2025** |
| **Deal Loan Count:** | **258** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *258* |
| ***Loans with Conditions:*** | *205* |

---

---

| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Condition Category** | **Condition Sub Category** | **Condition Status** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| 409007890 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Assets | Waived C B | CRDAST205 | Insufficient Funds to Close | No | $XXX short liquid fund to exclude two open XXX accounts on CBR.Provide additional liquid asset statements, meeting guidelines, supporting Borrowers had required liquid funds. May be subject to additional conditions upon review | 4.21.2025 Client provided duplicate in file assets however it appears short liquid funds to close by XXX due to having two XXX day XXX balances taken from liquid assets, other assets available are xxx non liquid. Condition remains short liquid funds to close by XXX due to XXX day XXX balances. 4/28 Client provided an approved exception to allow the file with alternative assets retirement and cash out | Upon review by xxx xxx xxx, Condition is a Non Material B grade; Low LTV and DTI, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI |
| 409007890 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Legal Documents | Satisfied D A | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws | No | Provide proof that XXX HELOC has been paid and closed to future draws | 4.30.2025 Client provided executed by borrowers requesting closure of this HELOC w/XXX upon receipt of payoff balance | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI |
| 409008772 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support the appraisal value of $XXX. LCA score is XXX | 4.16.2025 Client provided 3rd party xxx valuation supporting appraised value with XXX% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX years, XXX months at current job. |
| 409008778 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Credit | Terms/Guidelines | Waived B | CRDTER109 | Cash Out Amount Exceeds Guidelines | No | XXX exception approval in file indicates cash out exceeds program requirements. Subject is a refinance of a private note that is not on title and was there for treated as a cash out refinance. XXX XXX guidelines allow unlimited cash out with less than XXX% LTV and a credit score of XXX. | 5/5 Client provided an approved exception to allow the file with cash out at XXX LTV and XXX DTI | Upon review by xxx xxx xxx, Condition is a Non Material B grade; Borrower credit score exceeds min required; Current GLs allow unlimited CO at XXX LTV, Prior GLS did not | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. |
| 409008781 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Per XXX eSign Process Summary, a Loan Estimate was issued on XXX which is missing from the file. | 04/07/25 Client provided the missing XXX COC and XXX LE. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been in their respective professions for XXX years.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX = $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX. |
| 409008781 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in the amount of $XXX as Appraisal Fee increased on CD XXX without a COC in file. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 04/07/25 Client provided the missing XXX COC and XXX LE. Condition remains. The XXX COC does not reflect a valid change reason for increasing the Appraisal Fee. Borrower is due a refund of $XXX, Post CD with tolerance cure, LOE and proof of delivery that includes tracking information.05/01/25 Client provided a XXX Post CD with cure, LOE, refund check and proof of shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been in their respective professions for XXX years.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX = $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX. |
| 409008839 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Determine status upon review / receipt of missing P&L and 1065 signature pages | 4/24 Client provided the P&L and XXX E sign , still need XXX E sign5/2 Client provided XXX | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX with current business since XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XX points above the minimum required score of XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months of PITIA available in reserves; XXX months required. |
| 409008839 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Discount Points increased on the Final XXX CD. The XXX COC is missing a valid reason for the increase. Provide valid Change documentation for review, OR provide borrowers with a refund of $XXX, Post CD with tolerance cure, LOE and proof of delivery that includes tracking information. | 04/24/2025 Client provided a COC dated XXX however does not reflect the date that the change was known to Lender. Also, there is no CD in file with the Point amount of $XXX Condition remains. Provide the dates of when each changes was know as well as the CD reflecting Discount Points of $XXX. Additional conditions may apply. 05/13/25 Client provided an LOE from Lender with screen shots of the Audit Log and Lock History validating the Dates/Points increase. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX with current business since XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months of PITIA available in reserves; XXX months required. |
| 409008839 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Provide signature pages for XXX and XXX 1065 XXX | 4/23 Client provided XXX EFile Auth; still Missing XXX5/2 Client provided XXX signed | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX with current business since XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XX points above the minimum required score of XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months of PITIA available in reserves; XXX months required. |
| 409008839 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Income/Employment | Satisfied D A | CRDINC3258 | Missing Profit and Loss statement for one or more Self Employed borrowers | No | Missing Profit and Loss statement for one or more XXX borrowers. | 4/24 Client provided the P&L | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX with current business since XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months of PITIA available in reserves; XXX months required. |
| 409008839 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Property Valuations | Appraisal | Waived D B | PRVAAPPR2300 | Missing Second Appraisal required per guidelines | No | Refinance, $XXX loan amount requires a second full appraisal. Please provide, meeting guidelines below. May be subject to additional conditions upon review: Refinance Transactions >$XXX 2 Full Appraisals When two (2) appraisals are required, the following applies:? Appraisals must be completed by two (2) independent companies.? The LTV will be determined by the lower of the two (2) appraised values if the lower appraisal supports the value conclusion.? Both appraisal reports must be reviewed and address any inconsistencies between the two (2) reports and all discrepancies must be reconciled.? If the two (2) appraisals are done subject to and 1004Ds are required, it is allowable to provide one (1) 1004D. If only one (1) 1004D is provided, it should be for the appraisal that the value of the transaction is being based upon. | 5/12 Client provided an approved exception to allow the file without a second full appraisal and a loan amount of $XXX; client accepts the xxx supporting the appraised value | Upon review by xxx xxx xxx, Condition is a Non Material B grade; LTV below GLs, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX with current business since XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months of PITIA available in reserves; XXX months required. |
| 409008871 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | CMPATRQM2970 | TILA - Loan is a non-QM loan with documented ATR UW factors; points and fees exceed client's 3% guideline. | No | Adjusted Charges$XXXTotal Loan Amount$XXXMaximum Charges %XXX%Maximum Charges$XXXCharges Margin to Threshold$XXXTotal Charges %XX%Exceeds fees test threshold? Yes | 4.9.2025 Client provided XXX w/QM Safe Harbor status however DD Firm status is Non QM due to points/fees exceeding XXX%. Condition remains 4/11 Client provided an Email that the XXX included the par rate for testing; upon review Par rate updated; PASS | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX |
| 409008871 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX |
| 409008871 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Ability to Repay/Qualified Mortgage | Satisfied C A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Missing Lender QM or Non QM status, currently DD Firm status is Non QM | 4.9.2025 Client provided Lender XXX w/QM Safe Harbor status, condition is being satisfied however another condition on file due to DD Firm status is Non QM due to point/fees exceeding 3% | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX |
| 409008875 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX we are satisfying to 1/A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXRequired:Subject: XXX months PITI+ One financed REO: X months PITIMet<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: 0 x 30 for XXX months |
| 409008875 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Credit | Terms/Guidelines | Waived C B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Note date XXX. Undisclosed Debt Notification Report, page 2188 combined file, reflects xxx is frozen for BXXX as of XXX. Provide update reflecting unfrozen. May be subject to additional conditions upon review. | 4.21.2025 Client provided exception approval for undisclosed debt notification report stating undisclosed debt notification dated XXX XXX as frozen bureau, with file having DU credit report (dated XXX) reflecting all X fico scores for BX; this was used to verify if any undisclosed debt notification however XXX bureau is being reflected as frozen. | Upon review by xxx xxx, exception is deemed non-material. Exception approved, B Grade with compensating factors: fico score XXX, DTI XXX% | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXRequired:Subject: XXX months PITI+ One financed REO: X months PITIMet<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: 0 x 30 for XXX months |
| 409008938 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | 1. Missing verification of ending of lease for XXX to support exclusion of rent expense from DTI.2. Missing XXX 1099 for XXX distribution and verification of sufficient assets to support 3 years of distribution to support $XXX used to qualify. Only XXX / XXX 1099s in file and no proof of sufficient assets for continuation located. | 4.7.2025 Client provided duplicate in file XXX 1099 statement of annuity paid to support the total of $XXX however initial condition is for XXX 1099 for XXX and evidence of three year continuance and missing verification of ending of lease for XXX property to support exclusion of rent expense from DTI. 4/28 Client provided XXX statements showing the monthly distribution from XXX is $XXXand it was not derived from the XXX account | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves $XXX exceed required reserves $XXX.<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrower has minimal use of consumer credit, credit line usage XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Representative credit score XXX above program requirement XXX |
| 409008938 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Missing XXX 1099 for XXX distribution and verification of sufficient assets to support XXX years of distribution to support $XXX used to qualify. Only XXX/ XXX 1099s in file and no proof of sufficient assets for continuation located. | 4.7.2025 Client provided duplicate in file XXX1099 statement of annuity paid to support the total of $XXX however initial condition is for XXX 1099 for XXX to support $XXX income and evidence of three year continuance, if applicable and missing verification of ending of lease for XXX property to support exclusion of rent expense from DTI. 4/28 Client provided XXX statements showing the monthly distribution from XXX is $XXX | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves $XXX exceed required reserves $XXX.<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrower has minimal use of consumer credit, credit line usage XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Representative credit score XXX above program requirement XXX |
| 409009001 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Assets | Satisfied C A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Missing an additional $XXX in borrower funds to meet the XXX AUS program guide requirement of ($XXX \* XXX) $XXX; only $XXX in borrower funds were provided. | 4/9 Client provided updated AUS, 1003/1008 and Asset statement | Satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been XXX for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX. |
| 409009001 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied C A | CRDINC150 | Income docs do not meet guidelines | No | Missing lender's income analysis for both borrowers on Fannie Mae 1084 (or equivalent) required for XXX analysis, along with liquidity analysis due to using income from box 1 being greater than distributions. | 4/1 Client provided the income WS | Satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been XXX for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX. |
| 409009001 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Missing dated signatures for both borrowers on the XXX and XXX personal tax returns or personal tax transcripts for the corresponding years. | 4/1 Client provided the signed taxes | Satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been XXX for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX. |
| 409009001 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | GLs require a second full appraisal on loan amounts over XXX; Provide a 2nd full 1004 appraisal supporting the appraised value | 4.4.2025 Client provided (duplicate in file), 3rd party xxx supporting appraised value of $XXX with XXX% variance however 2nd full appraisal is required due to loan amount over $XXX refinance. Condition remains for 2nd full appraisal 4/28 Client provided 2nd full appraisal | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been XXX for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX. |
| 409009068 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD. | (No Data) | Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX with current business since XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has $XXX available in reserves; $XXX in reserves required. |
| 409009068 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $XXX due to Appraisal fee increased on CD XXX with no valid reasons documented on COC XXX. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 03/24/25 Client provided a XXX Post CD with cure, refund check, LOE and proof of shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX with current business since XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has $XXX available in reserves; $XXX in reserves required. |
| 409009068 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Credit | Application | Satisfied C A | CRDAPP131 | Occupancy status not supported by file documentation | No | Subject loan was approved and closed as primary residence at XXX% LTV. However, an explanation letter from the borrower provided in the file states this property will be used as his mother-in-law's primary residence. Subject property should be considered an investment property with a maximum allowable LTV of XXX%. | 3/19 Client provided an Email that "Loan was closed as FNMA FAMILY OPP. LOAN and the XXX income docs have been submitted." ; Final 1003/1008 indicates Borrower 1 is the only individual Borrower no additional borrowers income can be considered; Condition remains3/20 Client asked for a review; Provide evidence of Family relationship between XXX and Borrower with differing last names, Provide a satisfactory explanation for XXX address on Social security 1099 matching Borrowers rental property at XXX, per 1003 Borrower collects $XXX rental from this property identified as a SFR per google search. Occupancy condition remains as unsupported 4/8 Client provided an LOX and corrected 1003 showing XXX moved with Bwr from prior departure residence on the purchase of current primary res | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX with current business since XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has $XXX available in reserves; $XXX in reserves required. |
| 409009068 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | File is missing copy of current hazard insurance policy for an additional property owned located at XXX, XXX verifying premium amount. Used lender amount from asset worksheet of $XXXper month for recalculations. | 3.18.2025 Client provided PITIA documentation including HOI supporting $XXX for XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX with current business since XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has $XXX available in reserves; $XXX in reserves required. |
| 409009068 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Credit | Income/Employment | Satisfied C A | CRDINC2488 | Verbal verification of employment missing | No | File is missing verification of the existence of borrowers business verified through a third-party source and no more than 120 calendar days prior to the Note date. | 2.28.2025 Client provided xxx dated XXX for current XXX business | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX with current business since XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has $XXX available in reserves; $XXX in reserves required. |
| 409009068 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Credit | Terms/Guidelines | Satisfied C A | CRDTER4631 | Loan parameters do not meet guidelines | No | Provide a signed attestation from the Borrower and the Borrowers XXX confirming the family relationship and the intent of the Borrower to purchase the property for the XXX to live in rent free as a primary residence. | 4/28/2025 client provided updated 1003. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX with current business since XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has $XXX available in reserves; $XXX in reserves required. |
| 409009068 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Credit | Terms/Guidelines | Satisfied D A | CRDTER2548 | Missing AUS or AUS errors present | No | DU Approve/Eligible provided in the file shows occupancy status as primary residence. However, an explanation letter from the borrower provided in the file states this property will used by his mother-in-law as a primary residence. Updated DU findings showing occupancy status corrected to investment property will be required. | 4/8 Client provided DU approval product information supporting primary occupancy | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX with current business since XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has $XXX available in reserves; $XXX in reserves required. |
| 409009111 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Lender used XXX/XXX W2's in file for XXX, however EIN #'s do not match XXX. Lender to provide verification that W2 are borrowers current income, Income must be recalculated | 4/7 Client provided an Email from Borrower that " XXX. There EIN Number is use for group healthcare benefits. For further questions please contact XXX at XXX or XXX-XXXX.; Provide a processor cert for confirmation EIN # is correct for Borrower income from XXX4/16 Client provided an UW certification | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment XXX years |
| 409009140 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | State Consumer Protection | Satisfied D A | CMPSTCP2057 | XXXX Pred Lend Database - No Cert of Compliance or Cert of Exemption in file | No | Missing Certificate of Compliance or Certificate of Exemption. | 04/09/25 Client provided the XXXX Cert of Exemption. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Low DTI XXX% Guidelines allow XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: ASSETS Post-Closing Reserves of $ XXX as XXX months PITIA FTHB Guidelines require XX months or $ XXX x XXX = $ XXX |
| 409009166 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Per XXX tracking in file, a revised LE XXX was issued along with COC and delivered to borrower. Disclosures are missing in file. | 05/01/25 Client provided the XXX LE package. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have XXX months of 0x30 on current mortgage<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score |
| 409009166 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 | Unable to test a loan product due to missing initial CD in file. | 03/20/25 Client provided the Initial XXX CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have XXX months of 0x30 on current mortgage<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score |
| 409009166 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | CD XXX is the only CD in file. Missing initial CD acknowledged by borrower min 3 days prior to closing. | 03/20/25 Client provided the Initial XXX CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have XXX months of 0x30 on current mortgage<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score |
| 409009166 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Income/Employment | Satisfied B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Provide VVOE for B2 dated within 10 business days prior to Note date | 3/19 Client provided the VOE | Satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have XXX months of 0x30 on current mortgage<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score |
| 409009170 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Credit | Income/Employment | Satisfied B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | B1's VOE not dated within guidelines. Provide VOE for B1 meeting below. May be subject to additional conditions upon review. 'Verification of Employment Requirements:? Requirements below apply when income is positive and included in qualifying income:? Verbal Verification of Employment (VVOE) must be performed no more than XXX(XXX) business days prior to the Note date. The Verbal VOE should include the following information for the borrower Date of contact Name and title of person contacting the employer Name of employer Start date of employment Employment status and job title Name, phone #, and title of contact person at employer Independent source used to obtain employer phone number? Fannie Mae Verification of Employment alternatives allowed for XXX borrowers' | 4.15.2025 Client provided VVOE dated XXX for B1 and file have evidence of having XXX% ownership | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: 0 x 30 for XXX months |
| 409009170 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Credit | Title | Waived B | CRDTIL875 | Title Does Not Agree With Mortgage | No | Title: B1 and B2DOT: B1 and B2 HUSBAND AND WIFE Deed: B1 and B2, husband and wife, not as tenants In common or as joint tenants but as tenants by the entirety, of XXX XXXX, party of the second part Provide updated matching documents | 4.25.2025 Client provided exception approval for Mortgage reflecting vesting as: Borrower 1 and B2 Husband and Wife and Deed/Title vesting reflecting as B1 and B2, husband and wife, not as tenants in common or as joint tenants but as tenants by the entirety of XXX XXXX | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: 0 x 30 for XXX months |
| 409009218 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD. | (No Data) | Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX Median FICO >XXX points above guideline program minimum of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves (XXX) months PITI. |
| 409009218 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 | Unable to test a loan product due to missing initial CD in file. | 04/02/25 Client provided the missing XXX Initial CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX Median FICO >XXX points above guideline program minimum of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves (XXX) months PITI. |
| 409009218 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | CD 3/20/25 signed on XXX is the only CD in file. Missing initial CD acknowledged by borrowers min 3 days prior to closing date. | 04/02/25 Client provided the missing XXX Initial CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX Median FICO >XXX points above guideline program minimum of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves (XXX) months PITI. |
| 409009218 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Credit | Credit/Mtg History | Satisfied D A | CRDCRMH183 | Credit report incomplete | No | Missing full Credit Report with Credit Scores, verification of mortgages, and outstanding debts. | Client provided the XXX credit report | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX Median FICO >XXX points above guideline program minimum of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves (XXX) months PITI. |
| 409009218 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | There are (X) investment properties: 1) XXX - Missing verification of taxes, insurance, and HOA. 2) XXX- Missing VOM or Mortgage statement verifying taxes and insurance. Also, missing verification of HOA and Lease Agreement for $XXX monthly. | 4/2 Client provided Mortgage statements and evidence of PITIA for the XX REOs | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX Median FICO >XXX points above guideline program minimum of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves (XXX) months PITI. |
| 409009218 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | B1 Missing verification of income or recent year-to-date pay stub and XXX W2 supporting qualifying income of $XXX monthly. | 4/2 Client provided the W2s; still missing YTD paystub or WVOE for YTD income4/3 Client provided a YTD PS through XXX | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX Median FICO >XXX points above guideline program minimum of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves (XXX) months PITI. |
| 409009253 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Zero tolerance violation of $XXX due to the increased Verification Fee. Lender cured $XXX at Closing, however cure is short by $XXX. Unable to determine the un-rounded original LE Verification Fee amount (XXX only provides the increased total amount). Provide the un-rounded original LE Verification Fee amount for further review, OR provide borrower with an additional refund of $XXX, Post CD with increased cure, LOE and proof of delivery. | 04/23/2025 Client provided PCCD XXX with additional cure, copy of cure check and LOE with shipping label for delivery. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX= $XXX required reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; max XXX |
| 409009261 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status Provide XXX K1 or XXX K1 income for B1 from XXXProvide VOM and Payments of $XXX/month and $XXX/month on HELOCs for XXX | 4/28 Client provided the VOM, K1 XXX not required on AUS | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV |
| 409009261 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Credit | Credit/Mtg History | Satisfied B A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Provide VOM and Payments of $XXX/month and $XXX/month on HELOCs for XXXAdditional conditions may apply | 4.22.2025 Client provided copies of XXX Line of Credit statement supporting monthly $XXX and $XXX and provided LOX regarding past due amount on XXX statement (with payment of $XXX), LOX stating late fee was supposed to be on auto withdrawal and they didn't do it and they was supposed to have refunded me the fee they charged me, I need to follow up with them. Response, without requesting additional documentation regarding the past due balance in XXX it would appear to be a 1 x 30 late and per DU #XX verify not currently XXX days or more past due or having been XXX days or more past due in the last XXX months, for this transaction without additional documentation appears to be 1 x 30 vs XX days. XXX AUS | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV |
| 409009261 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Credit | Income/Employment | Satisfied B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Provide VVOE for B1 from XXX dated within XXX business days prior to Note date. Borrower is < XXX% owner. | 4.24.2025 Client provided rebuttable stating VVOE in file dated XXX; Response, borrower is < XXX% owner, VVOE in file dated XXX reflect verified XXX with XXX however borrower is not > XXX% owner of this business: XXX. File have a Written VOE dated XXX and Note date XXX (not within XXX days of Note date). Condition remains for VVOE (not 3rd party VVOE), VVOE verifying employment with Employer: X(within timeframe) however borrower is not XXX < XXX% ownership 4/29 Client provided voe dated XXX post close, still missing VOE dated within XXX days prior to date 5/2 Client provided an approved exception to allow the post close VOE | Upon review by xxx xxx xxx, Condition is a Non Material B grade; Low LTV, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV |
| 409009261 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Provide XXX K1 or XXX K1 income for B1 from XXX | 4.24.2025 Client provided Lender rebuttal stating loan was app'd and closed prior to XXX; XXX XXX income documentation would not be required for this loan. Response, borrower is < XXX% owner: XXX, file have a Written VOE for XXX which is only reflecting w2 wages, do not reflect the K1's earnings. Initial condition for XXX k1 or Year end XXX K1 income from Employer. Note: k1 income from XXX $XXX is being used towards qualifying and about $XXX for w2 income towards qualifying, w2 income is supported in file with XXX w2 and Written VOE however the XXX k1 income info is missing. 4/25 Client provided an Email that XXX K-1 is not required by AUS or overlay; Upon review by xxx XXX, While it is needed for the XXX program XXX K-1 not required on XXX AUS or AUS approval, Note date prior to XXX XXX tax deadline | Satisfied income is supported per AUS approval with file documents | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV |
| 409009261 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Provide documentation that XXX (Subject) and XXX are the same property | 4/28 Client provided evidence that XXX and XXX are the same property | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV |
| 409009262 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required seller-paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX%DTI below guideline requirement of XXX%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX Median FICO >XXX points above guideline program minimum of XXX. |
| 409009262 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Insurance | Satisfied C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Missing sufficient insurance coverage; need at least $XXX dwelling coverage. | 4/21 Client provided the Insurance Company RCE showing sufficient coverage exists | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX%DTI below guideline requirement of XXX%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX Median FICO >XXX points above guideline program minimum of XXX. |
| 409009304 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have XXX months of 0x30 on current mortgage<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI |
| 409009315 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | Right of Rescission | Waived B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Per title commitment in file, loan originated with same lender. Incorrect ROR H-8 Form Used in Refinance with Original Creditor | 4/15/2025 Client provided an exception approval for using incorrect ROR form | 4/15/2025 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX |
| 409009315 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Assets | Satisfied B A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Missing all reserves | 4/21 Client provided 401K statement with sufficient reserves | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX |
| 409009315 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation | 4.17.2025 Client provided CU Score X in lieu of 3rd party xxx and provided a snipshot of guidelines that allow for CU Score in lieu of xxx however these are current guidelines for loans locked on or after XXX; subject loan was locked prior to this date. Condition remains for 3rd party xxx 4/21 Client provided a xxx supporting the appraised value with a XXX% variance | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX |
| 409009315 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Property Valuations | Appraisal | Waived B | PRVAAPPR169 | Appraisal includes one or more issue(s) | No | Use of Property value vs purchase price, borrower purchased property less than XXX months, now cash out refinance of property to payoff IRS lien in the amount of $XXX and XXX $XXX | 4.17.2025 Client provided exception approval however there is a separate condition on file for missing all reserves documentation. Waiver not applied, missing all reserves per separate condition. 4/21 Client provided the required reserves; Approved exception applied to allow the file using FMV with PP less than XXX months | Upon review by xxx xxx xxx, Condition is a Non Material B grade; DTI below GL MAX, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX |
| 409009340 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Credit | Ability to Repay/Qualified Mortgage | Satisfied C A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Missing ATR/QM Determination | 3.28.2025 Client provided LOX (Collaborate) stating accepting QM APOR Safe Harbor | Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves (XXX) months PITIA. |
| 409009340 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing xxx | 4/3 Client provided an approved exception to allow the file without the xxx, file has a CU score of X supporting the appraisal | Satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves (XXX) months PITIA. |
| 409009517 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) D B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; xxx's status determination places loan in a riskier status than the Lender's status determination. | No | xxx status is RP APOR and Lender is SH APOR | 05/20/25 Client requests resolution, as the loan is SH APOR per Lender. Upon review by internal Compliance counsel, condition remains and the internal testing is correct. The original XXX Note and CD are reviewed, not the Loan Modification. The Benchmark Date is XXX with the Benchmark Rate of XXX%. The Test APR is XXX%. Difference of XXX% exceeds the threshold allowance of XXX%.5/21 Client provided a lender determination or RP APOR | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves XXX months PITIA. |
| 409009517 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) D B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Determine status upon review / receipt of missing income docs | 4,23, 2025 Client provided copy of XXX1040 and 1120S XXX and 1040 XXX and upon review of income calculation appears we are missing all XXX Cash flow income analysis for both borrowers, file do have a cash flow income analysis for losses: B2 XXX and XXX Rent losses, however missing Cash Flow Analysis for B1 XXX and 2nd job w/XXX and needed for B2 positive income that is being used for XXX/XXX currently unable to see what income is being used without the Cash Flow Income Analysis and it appears the Schedule C for B1 (XXX) income is not support for Year XXX; XXX Schedule C for XXXonly supports $XXX for monthly of XXX in which appears to have declined tremendously from Year XXX reflecting $XXX(for monthly $XXX; condition remains for all Cash Flow Income Analysis that is being used for income qualifying, B1 and B2 and regarding Schedule C for XXX, if this is being used for qualifying clarifying the large decrease from Year XXX to XXX; income still under review and still to be finalized upon receipt and review of Income worksheets and clarification of XXX decline income. 5/19 Client provided an additional Email supporting income used to qualify | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves XXX months PITIA. |
| 409009517 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) D B | Compliance | RESPA | Satisfied B A | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | Missing in the file. | 04/24/2025 Client provided missing List of homeowners counseling organizations dated XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves XXX months PITIA. |
| 409009517 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) D B | Credit | Ability to Repay/Qualified Mortgage | Satisfied C A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Lender to provide an ATR/QM status determination. | 4.23.2025 Client provided Lender QM Safe Harbor | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves XXX months PITIA. |
| 409009517 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) D B | Credit | Application | Satisfied D A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | B1 is a XX per 1003. Provide residency documents meeting guidelines. may be subject to additional conditions upon review. | 4.23.2025 Client provided borrower LOX email stating as US Citizens however will need updated 1003 to reflect the correction. Condition remains for updated 1003, if applicable. 4/28 Client provided an Email unable to update 1003 due to system issue; Response provide a processing cert4/30 Client provided a processor cert that the Borrower updated the Lender that they were a US Citizen and the system reverted back when locked" condition remains: Final 1003 signed at close indicated Borrower is a XX Provide satisfactory documentation from Borrower to validate US Citizenship since Signed Final at close 1003 indicates Perm Resident 5/1 Client provided updated 1003 with US Citizen and File has Emails from Borrower confirming Both are US Citizens | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves XXX months PITIA. |
| 409009517 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) D B | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Each of the following only has XXXin file; guidelines require 2 consecutive years. Please provide most recent for each (XXX or XXX) meeting guidelines. Subject to income recalc and may be subject to additional conditions upon review.1. IRS 1040 Transcripts2. 10403. 1120s | 4,23, 2025 Client provided copy of XXX 1040 and XXX and 1040 XXX and upon review of income calculation appears we are missing all self employment Cash flow income analysis for both borrowers, file do have a cash flow income analysis for losses: B2 XXXs and XXX Rent losses, however missing Cash Flow Analysis for B1 XXX and 2nd job w/XXX and needed for B2 positive income that is being used for XXX/XXX. currently unable to see what income is being used without the Cash Flow Income Analysis and it appears the Schedule C for B1 (XXX) income is not supported for Year XXX; XXX Schedule C for XXX only supports $XXXfor monthly of XXX in which appears to have declined tremendously from Year XXX reflecting $XXX(for monthly $XXX; condition remains for all Cash Flow Income Analysis that is being used for income qualifying, B1 and B2 and regarding Schedule C for XXX, if this is being used for qualifying clarifying the large decrease from Year XXX to XXX; all income still under review and still to be finalized upon receipt and review of Income worksheets and clarification of XXX decline income. 4/28 Client provided an Email and income Ws with 1008: upon review per UW using both schedule Cs for XXX XXX income calculation (interior design was in error); Provide satisfactory explanation for "interior design schedule C was in error" additional conditions may apply; (DD is not including interior design schedule c at this time)XXX income is currently validated only at $XXX and Total $XXX for B1 income DTI is XXX4/30 Client provided an UW Email; upon review the file can only be UW to the documents provided, the Schedule C titled " XXX" cannot be assumed to mean XXX income, although the 1099s appear to total same as the two schedule Cs a satisfactory explanation for why two separate Schedule Cs were filed and why one is titled "XXX" if in fact it is XXX income is needed from the Borrower. 5/19 Client provided an additional Email ; upon review by xxx XXX the total 1099 income used to qualify is supported and the UW conclusion that the schedule C was mislabeled interior design is accepted | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves XXX months PITIA. |
| 409009517 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) D B | Credit | Terms/Guidelines | Waived C B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Loan determination is RP APOR and GLs do not allow RP on a XXXY fixed | 5/21 Client provided an approved exception to allow the file with a Determination of RP APR on the XXXY fixed product | Upon review by xxx xxx xxx, Condition is a Non Material B grade; Strong reserves, Low LTV, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves XXX months PITIA. |
| 409009525 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX |
| 409009547 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX, we are satisfying to 1/A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have XXX years XXX months at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: Qualifying LTV XXX% below program maximum XXX%.<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Mortgage history reports XXX mos. 0x30. |
| 409009547 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | Title Sales Tax Settlement fee, Title Wire fee and Title E-Recording fee paid to a title provider on SPL were increased/ added on the final CD XXX without a change of circumstance in file. XXX percent tolerance cure required for $XXX as these fees along with Recording fee are tested for XXX% violation. Lender's credit for tolerance was applied towards increased Credit Report. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 04/08/25 Client provided a corrected XXX Post CD reflecting the fee payees as XXX, which matches the Settlement Statement in file. Re-testing results in no XXX percent tolerance violation. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have XXX years XXX months at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: Qualifying LTV XXX% below program maximum XXX%.<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Mortgage history reports XXX mos. 0x30. |
| 409009547 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Credit | Assets | Satisfied B A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing proof of receipt of $XXX gift and missing verification of donors ability to give gift. Gift letter indicates gift given on XXX which is after all asset statement end dates and is not reflected as a deposit on Final CD issued XXX | 4/15 Client provided a XXX Gift letter for $XXX; and an updated DU with XXX gift removed, and a 1008 with a gift of $XXX File had $XXX in total prior verified gifts | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have XXX years XXX months at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: Qualifying LTV XXX% below program maximum XXX%.<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Mortgage history reports XXX mos. 0x30. |
| 409009551 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX |
| 409011480 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. Provide signed HELOC closure form for XXX XXX and XXX. Per the LOC payoff statements customer's signed authorization is required to terminate LOCProvide XXX K1 and 1120S for XXXX. Income from K1 being used to qualify and Borrower is XXX% owner. | 4.16.2025 Client provided supplement showing XXX #XXX and #XXX as being paid in full and closed as of XXX; condition remains for income documents. 4/17 Client provided the 1120s and K1 | Satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have XXX months of 0x30 on current mortgage<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years |
| 409011480 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 | Final CD XXX is the only CD in file. Product not disclosed at least three days prior to closing date of XXX | 04/15/25 Client provided the Initial XXX CD's with Tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have XXX months of 0x30 on current mortgage<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years |
| 409011480 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | CD XXX is the only CD in file. Missing initial CD acknowledged by borrowers a minimum of XXX days prior to closing. | 04/15/25 Client provided the Initial XXX CD's with Tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have XXX months of 0x30 on current mortgage<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years |
| 409011480 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Assets | Satisfied C A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Reserves$XXX or XXX months. XXX months required or $XXX. Short $XXX. Provide additional assets | 4/17 Client provided additional xxx assets | Satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have XXX months of 0x30 on current mortgage<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years |
| 409011480 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Provide 3rd party VOE for B2 from XXX. Borrower is over XXX% owner. | 4.18.2025 Client provided Lender certification LOX stating no income was used for B2. Response, Agree. Initial condition is regarding B1, missing 3rd party VVOE for B2 with having over XXX% ownership. Condition remains Note: File have a VVOE completed by Lender stating verified XXX employment with xxx (xxx) however VVOE do not state having current active status. 4/22 Client provided a xxx search showing active status of the business | Satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have XXX months of 0x30 on current mortgage<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years |
| 409011480 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Provide XXX K1 and 1120S for XXX. Income from K1 being used to qualify and Borrower is XXX% owner. | 4/17 Client provided the 1120s and K1 | Satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have XXX months of 0x30 on current mortgage<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years |
| 409011480 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Legal Documents | Satisfied D A | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws | No | Provide signed HELOC closure form for XXX XXX and XXX. Per the LOC payoff statements customer's signed authorization is required to terminate LOC | 4.16.2025 Client provided supplement showing XXX #XXX and #XXX as being paid in full and closed as of XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have XXX months of 0x30 on current mortgage<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years |
| 409011484 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Credit/Mtg History | Waived B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Provide XXX months VOR for both Borrowers from XXX | 3.31.2025 Client provided exception approval for missing XXX months VOR housing payment history | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $XXX or XXX months PITI |
| 409011484 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Income/Employment | Waived D B | CRDINC2408 | Income verification does not meet guidelines | No | Provide YTD paystubs and XXX years W2's for both Borrowers as required per guidelines | 3.31.2025 Client provided duplicate in file, Written VOE for both borrowers covering YTD 2025 and prior two years history however file was underwritten to XXX 30 YR and require paystubs and w2's. Initial condition remains for Paystub and w2's for both borrowers. 3.31.2025 Client provided exception approval to allow for Written VOE for both borrowers in which include YTD XXX income and prior two years, in lieu of having paystub and w2's (XXX/XXX) | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $XXX or XXX months PITI |
| 409011484 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Terms/Guidelines | Satisfied B A | CRDTER3490 | Missing Patriot Act form | No | Provide signed Patriot Act for both borrowers | 3.14.2025 Client provided Patriot Act disclosure however missing executed Patriot Act with verification of ID for both borrowers. Condition remains 3.14.2025 Client provided executed Patriot Act for both borrowers | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $XXX or XXX months PITI |
| 409011484 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Provide signed 4506-C for both borrowers | 3.14.2025 Client provided executed 4506C for both borrowers | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $XXX or XXX months PITI |
| 409011484 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Property Valuations | FEMA | Satisfied B A | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | Provide property inspection for Severe Storms and Flooding with declaration date of XXX. Appraisal was done prior to this date | 4/8 Client provided a XXX Post disaster inspection showing no damage to the subject since the FEMA event | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $XXX or XXX months PITI |
| 409011492 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | RESPA | Satisfied B A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Missing required Affiliate Business Disclosure. | 03/27/25 Client provided a signed attestation from the Lender stating they do not have any affiliates. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required. |
| 409011492 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Credit | Ability to Repay/Qualified Mortgage | Satisfied C A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Lender did not provide an ATR/QM status determination. | 3/27 Client provided an Email accepting the determination of SH APOR | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required. |
| 409011507 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Determine ATR/QM status upon review / receipt of BX's 2nd job voe | 4.10.2025 Client provided duplicate in file XXX/XXX w2 and XXX for B2 2nd job as a XXX and file have YTD XXX paystub with Note date XXX; condition remains for a more recent paystub for B2 2nd job due to not being able to get a VVOE, however upon further review of file if removed 2nd job income updated would be XXX%. Accepting paystub dated XXX and prior XXX/XXXw2's | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Qualifying DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score |
| 409011507 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Credit | Income/Employment | Satisfied B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Provide VOE from XXX, B2's second job, meeting guidelines. May be subject to additional conditions upon review. | 4.10.2025 Client provided duplicate in file XXX/XXX w2 and XXX for B2 2nd job as a XXX and file have YTD XXX paystub with Note date XXX; condition remains for a more recent paystub for B2 2nd job due to not being able to get a VVOE, however upon further review of file if removed 2nd job income updated would be XXX%. Accepting paystub dated XXX and prior XXX/XXX w2's | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Qualifying DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score |
| 409011507 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Credit | Title | Satisfied C A | CRDTIL875 | Title Does Not Agree With Mortgage | No | Title: B1 and B2, husband and wife, as community property with right of survivorship DOT: B1 and B2Provide updated matching docs.May be subject to additional conditions upon review. | 5/1 Client provided the corrected DOT with intent to re record | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Qualifying DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score |
| 409011507 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR2300 | Missing Second Appraisal required per guidelines | No | Per guidelines, provide second appraisal meeting below guidelines. May be subject to additional conditions upon review.Guidelines:'Refinance Transactions>$XXX 2 Full Appraisals When two (2) appraisals are required, the following applies:? Appraisals must be completed by two (2) independent companies.? The LTV will be determined by the lower of the two (2) appraised values if the lower appraisal supports the value conclusion.? Both appraisal reports must be reviewed and address any inconsistencies between the two (2) reports and all discrepancies must be reconciled.? If the two (2) appraisals are done subject to and 1004Ds are required, it is allowable to provide one (1) 1004D. If only one (1) 1004D is provided, it should be for the appraisal that the value of the transaction is being based upon.' | 4/11 Client provided a second full appraisal | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Qualifying DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score |
| 409011512 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Provide LOE from Borrower regarding rapid decline in annual bonus Additional conditions may apply | 4/16 Client provided prior YE paystubs showing bonus history and an LOX regrading UWs income calculation; Bonus decline less than XXX% | Satisfied ; Bonus history supports continuance | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score |
| 409011512 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Income/Employment | Waived D B | CRDINC2408 | Income verification does not meet guidelines | No | Missing XXX years most current W2's | 4/11 Client provided an approved exception to allow the file with a WVOE in lieu of W2s | Upon review by xxx xxx xxx, Condition is a Non Material B grade; strong reserves, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score |
| 409011515 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX |
| 409011637 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support the appraisal value of $XXX. CU score is XXX. | 3/26 Client provided a xxx supporting the appraised value with a XXX% variance | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed. |
| 409011650 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing XXX months business return for B1's 1120S corp. File contains XXX business returns only. Guidelines require XXX months. | 4/15 Client provided an approved exception to allow XXX years taxes | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required. |
| 409011650 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final CD is missing all of the Seller paid fees. | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required. |
| 409011650 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | The credit report fee increased from $XXX to $XXX on the Initial XXX CD without a valid reason listed on the XXX COC in file. Zero tolerance cure required for $XXX. Provide a letter of explanation, corrected Closing Disclosure, refund and proof of delivery that includes tracking. | 04/15/25 Client provided a XXX Post CD with cure, LOE, $XXX refund check and proof of shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required. |
| 409011650 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Income/Employment | Waived D B | CRDINC2408 | Income verification does not meet guidelines | No | Missing XXX months business return for B1's 1120S corp. File contains XXX business returns only. Guidelines require XXX months. | 4/15 Client provided an approved exception to allow the file with 1 year 1120s returns ; updated GLS allow 1 year | Upon review by xxx xxx xxx, Condition is a Non Material B grade; strong reserves, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required. |
| 409011650 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Property Valuations | Appraisal | Waived D B | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support the appraisal value of $XXX. | 4/10 Client provided an approved exception to allow the file with a CU score of XXX supporting the appraisal | Upon review by xxx xxx xxx, Condition is a Non Material B grade; strong reserves , Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required. |
| 409011652 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | Right of Rescission | Waived B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Per CD XXX in file, loan originated with same lender. Incorrect ROR H-8 Form Used in Refinance with Original Creditor | 4/21/2024 Client provided an exception approval for using incorrect ROR form | 4/21/2025 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required. |
| 409011749 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Final Settlement Statement in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV below guideline requirements of XXX% per program.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers reserve XXX months PITI. |
| 409011749 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 | Unable to test a loan product due to missing initial CD in file. | XXX Client provided the missing XXX LE and XXX CD packages. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV below guideline requirements of XXX% per program.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers reserve XXX months PITI. |
| 409011749 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | CD XXX is the only CD in file. Missing initial CD acknowledged by borrowers a minimum of XXX days prior to closing. | XXX Client provided the missing XXX LE and XXX CD packages. Re-testing still results in a violation due to the XXX LE. The Tracking does not confirm receipt by borrowers. Provide the confirmation of receipt for the XXX LE for further testing.XXX Client provided a duplicate copy of the XXX LE Tracking (eSign Process Summary). Condition remains. The Tracking does not reflect the Confirmation of Receipt date.XXX Client provided a screen shot of the XXX LE Package Summary showing Receipt Date of XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV below guideline requirements of XXX% per program.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers reserve XXX months PITI. |
| 409011749 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in the amount of XXX as Appraisal Desk Review was added without a COC in file. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | XXX Client provided the missing XXX LE and COC validating the Appraisal Desk Review fee. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV below guideline requirements of XXX% per program.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers reserve XXX months PITI. |
| 409011758 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; XXX \* XXX = $XXX required reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%. |
| 409011758 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $XXX due to added Appraisal Desk Review fee on CD XXX. COC date XXX indicates fee was added due to investor's request. Loan was locked with investor on XXX, fee was not disclosed timely. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 05/01/25 Client provided a XXX Post CD with cure, LOE, refund check and proof of shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; XXX \* XXX = $XXX required reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%. |
| 409011758 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Property Valuations | Property | Satisfied D A | PRVAPROP111 | Legal Nonconforming w/out Rebuild Letter | No | Subject property is zoned as legal non-conforming w/out letter or statement from appraiser. | 4.11.2025 Client provided a snipshot of appraisal however do not address subject being non- conforming and can be rebuilt at XXX% if destroyed. Condition remains for appraiser commenting on subject being Legal non - conforming and if can be rebuilt at XXX% if destroyed. 4.25.2025 Client provided updated appraisal with appraiser commenting on legal non conforming use which does allow the improvement to be rebuilt if destroyed. | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; XXX \* XXX = $XXX required reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%. |
| 409011771 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Missing initial CD in file. Per Disclosure tracking(page 505) initial CD was issued on XXX and e-signed by borrower on XXX. Disclosure is missing. | XXX Client provided the missing XXX CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX\*XXX + REO $XXX= $XXX reserves required.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. |
| 409011771 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Credit | Income/Employment | Satisfied C A | CRDINC150 | Income docs do not meet guidelines | No | Missing dated/signed borrower signatures on the XXX & XXX 1120-S; required by XXX AUS program guides. | 4.30.2025 Client provided signature page of XXX 1040 and 1120S signed/dated by borrower | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX\*XXX + REO $XXX= $XXX reserves required.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. |
| 409011778 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | RESPA | Satisfied B A | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | Lender's App Date is Mon XXX; List of homeowners counseling organizations' issue date is Sat XXX which is not within 3 business days of application. | 04/15/25 Client provided the XXX HC list. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have XXX months 0x30 on current mortgages<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Required Reserves: $XXX. Verified $XXX$XXX x XXX = $XXXXXX: $XXX x XXX = $XXX |
| 409011781 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | FNMA UCDP CU Score XXX; not acceptable. Missing Collateral Desktop Analysis (xxx) ordered from XXX or a Consolidated Collateral Analysis (CCA) from Consolidated Analytics is required to support the appraised value of $XXX. | 4/11 Client provided a xxx supporting the appraised value with a XXX% variance $XXX within tolerance | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months. |
| 409011789 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in the amount of $XXX as Tax Related Service Fee was added to Loan Costs Section A on LE XXX without a COC in file. Condition pending receiving a Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 04/08/25 Client provided a XXX PCCD with revised closing costs, including the removal of the $XXX Tax Related Service Fee in Section A. Condition remains. Provide fully executed supporting documentation confirming the borrower was not charged the $XXX fee at Consummation/Closing (Final ALTA/Settlement Statement, etc.). Additional conditions may apply.04/10/25 Client provided a copy of the XXX PCCD, an LOE to borrower, $XXX refund check and shipping label. Tracking shows only the label has been created. Condition remains for the proof of shipment.04/15/25 Client provided the proof of delivery. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% |
| 409011789 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Credit | Income/Employment | Satisfied C A | CRDINC2488 | Verbal verification of employment missing | No | Missing VOE for current employment | 4.7.2025 Client provided Written VOE dated XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% |
| 409011789 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Missing XXX W2 for current employment with XXX | 4.7.2025 Client provided Written VOE dated XXX with XXX earnings and YTD XXX pay | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% |
| 409011878 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months of PITI available in reserves; XXX months required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. |
| 409011878 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Credit | Credit/Mtg History | Satisfied B A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | File is missing a VOR verifying rental payment history from departing residence of 0X30 late payments in the last XXX months. If the landlord is a party to the transaction or relative of the borrower, canceled checks or bank statements to verify satisfactory rent history is required. | 4.14.2025 Client provided copy of Executed Lease agreement along with evidence of monthly payments made totaling $XXX a month to Landlord and is found on XXX bank statement in file (pg. 183) History evidence provided is from: XXX - XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months of PITI available in reserves; XXX months required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. |
| 409011898 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | State Consumer Protection | Satisfied D A | CMPSTCP2057 | XXXX Pred Lend Database - No Cert of Compliance or Cert of Exemption in file | No | Missing certificate of compliance or exemption. | XXX Client provided the documents sent for recording. Condition remains. The documents do not include the XXXX Certificate of Compliance OR XXXX Certificate of Exemption. Please provide the missing document.XXX Client provided the XXXX Certificate of Compliance. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months of PITI available in reserves; XXX months required. |
| 409011898 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months of PITI available in reserves; XXX months required. |
| 409011899 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. Missing all pages to XXX 1040's including Schedule CProvide 2024 tax Extension. Loan closed after XXX | 4/29 Client provided the XXX taxes, missing XXX extension 4.30.2025 Client provided LOX stating, AUS goes off application date not Note date for tax extension. Can the conditions for tax extension for XXX be cancelled since application date prior to 4.15.2025.Condition is being satisfied with receipt of full completed copy of XXX 1040's previously provided. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require 12 months or $ XXX X XXX = $ XXX |
| 409011899 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Per tracking summary in file, a revised CD XXX was issued and received by borrowers on XXX and a revised CD XXX was issued and received by borrowers on XXX Both disclosures are missing in file. | 04/29/25 Client provided the missing XXX and XXX CD's. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX |
| 409011899 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Ability to Repay/Qualified Mortgage | Satisfied C A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Missing QM Determination | 4/29 Client provided the XXX | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX |
| 409011899 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Missing all pages to XXX 1040's including Schedule CProvide XXX tax Extension. Loan closed after XXX | 4/29 Client provided the XXX 1040 and transcripts; missing XXX extension4.30.2025 Client provided LOX stating, AUS goes off application date not Note date for tax extension. Can the conditions for tax extension for XXX be cancelled since application date prior to XXX.Condition is being satisfied with receipt of full completed copy of XXX 1040's previously provided. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX |
| 409011900 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied B A | CMPATRQM4645 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender's status determination is not in file | No | Missing one of the following: XXX, ComplianceEase, or ATR Worksheet. | XXX Client provided XXXw/QM Safe Harbor | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% below guideline requirements of XXX% per program.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%. |
| 409011900 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Assets | Satisfied D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | File includes some bank accounts with only 1-statement; guidelines require XXX . Missing XXX consecutive months bank statements for the following accounts; XXX .XXX (need XXX); XXX ..XXX (need XXX); XXX ..XXX (need XXX); XXX ..XXX (need XXX); XXX XXX .XXX (need XXX). | XXX Client provided the required statements | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% below guideline requirements of XXX% per program.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%. |
| 409011901 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has Good credit history with X Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require 6 months or $ XXX X XXX = $ XXX |
| 409011904 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX with same job for over XXX years<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score |
| 409011904 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Credit/Mtg History | Satisfied B A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Provide VOR for XXX. Borrower considered FTHB as they have not owned a home in the past 3 years. | 4.16.2025 Client provided Bank statement w/ XXX #XXX covering XXX months satisfactory paid rent housing payment from XXX - XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX with same job for over XXX years<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score |
| 409011904 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Terms/Guidelines | Satisfied D A | CRDTER2548 | Missing AUS or AUS errors present | No | Lender did not include the following losses in DTI: ($XXX)/month. XXX($XXX)/month. XXXIncluded these DTI increases to XXX%. Please re run DU with these losses | 4.16.2025 Client provided DU AUS with including losses reflected on Schedule E for both businesses: XXX and XXX with updated DTI of XXX%. Note: updated DU is due to losses on Schedule E that is now being accounted for | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX with same job for over XXX years<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score |
| 409011916 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | XXX% in the amount of $XXX as title fees increased in Final CD XXX without a COC in file. Title fees were paid to a settlement provider from SPL therefore all title fees including recording fee are tested for XXX% violation. Condition pending receiving Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 04/23/2025 Client provided a rebuttal stating: Settlement agent "XXX" is not on the SPL or an Affiliate. The Settlement fees were excluded from calculation. Condition remains. The Payee listed on the Final CD XXX section B, line 5, Borrowers Settlement Fee reflects the Provider on the SPL resulting in the XXX% testing. Also ask about waiver, the condition will remain a 3C grade when waived. 04/25/2025 Client provided PCCD XXX with cure, copy of cure check, LOE and in transit shipping Label. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI |
| 409011937 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirements for subject and one REO<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score |
| 409011937 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Terms/Guidelines | Satisfied D A | CRDTER2548 | Missing AUS or AUS errors present | No | Provide missing DU findings. May be subject to additional conditions upon review. | 4.17.2025 Client provided DU Approve/Ineligible submission #X | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirements for subject and one REO<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score |
| 409011939 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX, we are satisfying to 1/A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Total required reserves are $XXX. Borrowers have $XXX in post close reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Minimum credit score required is XXX. Loan credit score is XXX. |
| 409011947 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | Documentation | Satisfied C A | CMPDOC3076 | Legal document was not executed or is incomplete | No | The Final Note is E-Signed by both Borrowers. Provide wet-signed Note. | 04/28/25 Client provided the hand-signed Note. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX required reserves for free and clear XXX<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower 2 has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower 2 has XXX Years in Current Profession |
| 409011947 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Final Settlement Statement in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX0 required reserves for free and clear REO1<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower 2 has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower 2 has XXX Years in Current Profession |
| 409011948 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD. | (No Data) | Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXRequired:XXX months PITIA, met<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score |
| 409011949 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; XXX% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. |
| 409011949 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support the appraisal value of $XXX. CU score X. | 4.21.2025 Client provided 3rd party xxx valuation supporting appraised value with XXX% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; XXX% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. |
| 409011964 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Determine status upon review / receipt of missing P&L | 4/28/25 Lender provided LOE that P&L is not required, XXX last taxes in file, XXX 1st quarter P&L required, condition remains4.30.2025 Client provided exception approval for missing 1st quarter P/L | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is below guideline requirements of XXX%<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline requirement of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX Median FICO > XXXpoints above guideline program minimum of XXX. |
| 409011964 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | Right of Rescission | Waived B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Per title commitment in file, loan originated with the same lender. Incorrect H8 ROR form was used instead of H9 form | 4/23/25 Client provided an approved exception for using incorrect ROR form | 4/23/25 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is below guideline requirements of XXX%<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline requirement of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX Median FICO > XXXpoints above guideline program minimum of XXX. |
| 409011964 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Income/Employment | Waived D B | CRDINC3258 | Missing Profit and Loss statement for one or more Self Employed borrowers | No | Provide XXX P&L for 1065 DD XXX, LP, meeting guidelines. Subject to income recalc and may be subject to additional conditions upon review. | 4/28 Client provided statement LOE from Lender that note date is XXX, XXX last returns in file, missing 1st quarter XXX Profit and loss statement required, condition remains4.30.2025 Client provided exception approval for missing 1st quarter XXXP/L | Upon review by xxx xxx, exception is deemed non-material. Exception approved, B Grade with compensating factors, borrower with current self employment over XXX years, low DTI and fico score XXX | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is below guideline requirements of XXX%<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline requirement of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX Median FICO > XXXpoints above guideline program minimum of XXX. |
| 409011965 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Determine status upon review / receipt of missing P&L. | 4/22 Client provided the P&L | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX |
| 409011965 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied D A | CRDINC3258 | Missing Profit and Loss statement for one or more Self Employed borrowers | No | Provide 2024 P&L for 1065 meeting requirements. Subject to income recalc and may be subject to additional conditions upon review. | 4/22 Client provided the P&L | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX |
| 409011979 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Missing lender's income calculation for each borrower on Fannie Mae 1084 (or equivalent) required for XXX analysis. | 4.17.2025 Client provided Cash Flow Income Analysis for both borrowers supporting monthly income being used for qualifying | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been in the same profession for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \*XXX = $XXX required reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. XXX mortgage payment history; 0x30x24 required. |
| 409011987 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | XXXX Home Equity | Satisfied C B | CMPTXHE119 | XXXX Equity - Affidavit of Fair Market Value not signed by lender | No | Affidavit of Fair Market Value in file is not signed by lender. Provide a copy of the fully executed signed document. | 04/14/25 Client provided the fully executed FMV Affidavit. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is below guideline requirements of XXX% per program.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline requirement of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Cash reserves XXX months PITI. |
| 409011987 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3552 | TRID - Loan Estimate not timely | No | File is missing the initial LE issued on XXX. Provide completed disclosure for further testing, additional conditions may apply. | 04/14/25 Client provided the missing, Initial XXX LE package. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is below guideline requirements of XXX% per program.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline requirement of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Cash reserves XXX months PITI. |
| 409011987 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | 04/14/25 Client provided the missing, Initial XXX LE. Fee re-baseline testing results in a Zero Tolerance violation of $XXX due to the increased XXX Attorney Doc Prep Fee. The XXX COC in file does not provide a valid Reason/Explanation for why this fee increased. Provide valid change documentation for this increase OR provide borrowers with a $XXX refund, Post CD with tolerance cure, LOE and proof of delivery that includes tracking information. | 04/15/25 Client provided a duplicate copy of the Revised XXX LE and COC package. Condition remains. The COC does not reflect a valid Reason for the increased XXXX Attorney Doc Prep Fee.04/24/2025 Client provided PCCD XXX with cure, copy of the cure check, LOE and In Transit shipping label. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is below guideline requirements of XXX% per program.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline requirement of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Cash reserves XXX months PITI. |
| 409011988 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | File is missing an application and credit report for B2. | XXX Client provided an LOX that Spouse signed the NOTE in error there is only 1 Borrower, and a new Note is being executed; Provide the corrected signed Note for reviewXXX Client provided the corrected Note with 1 Borrower | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of XXX; total reserves required XXX. |
| 409011988 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Application | Satisfied D A | CRDAPP130 | Application is incomplete | No | File is missing an application for borrower 2. | XXX Client provided an LOX that Spouse signed the NOTE in error there is only 1 Borrower, and a new Note is being executed; Provide the corrected signed Note for review XXX Client provided the corrected Note with 1 Borrower | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of XXX; total reserves required XXX. |
| 409011988 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Credit/Mtg History | Satisfied D A | CRDCRMH183 | Credit report incomplete | No | File is missing a credit report for B2. | XXX Client provided an LOX that Spouse signed the NOTE in error there is only 1 Borrower, and a new Note is being executed; Provide the corrected signed Note for review XXX Client provided the corrected Note with 1 Borrower | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of XXX; total reserves required XXX. |
| 409011988 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Terms/Guidelines | Satisfied D A | CRDTER2548 | Missing AUS or AUS errors present | No | AUS in file only shows only 1 borrower. Note is signed by 2 borrowers. | XXX Client provided an LOX that Spouse signed the NOTE in error there is only 1 Borrower, and a new Note is being executed; Provide the corrected signed Note for review XXX Client provided the corrected Note with 1 Borrower | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of XXX; total reserves required XXX. |
| 409011996 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX %<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX |
| 409012033 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | Right of Rescission | Waived B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Per preliminary title in file, loan originated with same lender. Incorrect ROR H-8 Form Used in Refinance with Original Creditor | 4/18/2025 Client provided an exception approval for using incorrect ROR form | 4/18/2025 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI. XXX months required |
| 409012035 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Credit | LTV/CLTV | Waived C B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Refinance paying off Balloon Private Lien Note (given by parents) XXX% cash out exceed guidelines maximum of XXX% | 4.17.2025 Client provided exception approval for XXX% LTV (cash out) exceeding guidelines maximum of XXX% | Upon review by xxx xxx, exception is deemed non-material. Exception approved, B Grade with compensating factors, reserves of XXX months, DTI XXX% and fico score XXX | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. |
| 409012035 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR119 | Appraisal documentation does not support occupancy | No | Property was vacant at the time of the appraisal. Originally purchased on XXX; appraisal dated XXX. | 4.17.2025 Client provided LOX stating, Due to borrower purchasing XXX and appraisal being done XXX the appraisal is showing vacant. Borrowers were moving from XXX to XXX so makes sense it could be vacant. I pulled their departure residence that sold XXX so no issue on occupancy. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. |
| 409012035 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Property Valuations | Appraisal | Waived D B | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support the appraisal value of $XXX. | 4.17.2025 Client provided CU Score XX in lieu of 3rd party xxx however xxx is required. Condition remains 4.17.2025 Client provided exception approval to allow for CU Score XXX in lieu of 3rd party xxx | Upon review by xxx xxx, exception is deemed non-material. Exception approved, B Grade with updated guidelines now allowing CU Score of XXX or less with file being locked prior to the new updated guidelines. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. |
| 409012045 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required seller-paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX |
| 409012053 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has XXX months of PITIA available in reserves; XXX months required. |
| 409012059 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI |
| 409012063 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | State Consumer Protection | Satisfied D A | CMPSTCP2057 | XXXX Pred Lend Database - No Cert of Compliance or Cert of Exemption in file | No | No Certificate of Compliance or Certificate of Exemption in file. | 04/28/25 Client provided the XXXX Cert of Compliance. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: 0x30 reported XXX months; XXX months required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required. |
| 409012063 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD. | (No Data) | Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: 0x30 reported XXX months; XXX months required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required. |
| 409012063 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Credit/Mtg History | Waived B | CRDCRMH104 | Credit score below guidelines | No | XXX qualifying score; XXX required. | 4.24.2025 Client provided exception approval for fico score XXX not meeting guidelines requirement of XXX minimum, with updated guidelines now reflecting minimum fico score of XXX | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: 0x30 reported XXX months; XXX months required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required. |
| 409012072 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | File is missing a VVOE and also a work visa showing ability to live and work in the US. | 4.16.2025 Client provided front and back copy of H1B1 visa expiring on XXX; condition remains for VVOE 4/17 Client accepted a post close VVOE with an exception | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. |
| 409012072 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers settlement statement document. Consistent with the XXX, we are satisfying to 1/A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. |
| 409012072 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Application | Satisfied D A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Borrower is a non-permanent resident alien. File is missing a work visa or other documentation showing authorization to live and work in the US. | 4.16.2025 Client provided front and back copy of H1B1 visa expiring on XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. |
| 409012072 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Income/Employment | Waived C B | CRDINC2488 | Verbal verification of employment missing | No | File is missing a VVOE for the borrower within XXX business days of the Note. | 4/17 Client provided a VOE dated XXX (post close dated); Provide a VVOE dated prior to close 4/17 Client provided an approved exception to allow the post close VVOE showing active status | Upon review by xxx xxx xxx, Condition is a Non Material B grade; Borrower credit score exceeds min required, DTI below GLs | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. |
| 409012072 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Property Valuations | Appraisal | Waived D B | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support the appraisal value of $XXX. | 4.16.2025 Client provided exception approval to allow for CU Score XX in lieu of having 3rd party xxx valuation | Upon review by xxx xxx, exception is deemed non-material. Exception approved, B Grade with updated guidelines now allowing for CU Score of < XX; loan was locked prior to the new updated guidelines | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. |
| 409012074 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXXYears in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require 6 months or $ XXX X XXX = $ XXX |
| 409012088 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Lender included additional expense of $XXX in the PITIA payment for the subject property. File is missing documentation verifying this additional expense. | 5.1.2025 Client provided Lender LOX stating the expense of $XXX per month is related to the XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have owned their primary residence for XXX years XXX months.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX with current business since XXX.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been with current employer since XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is 67 points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required. |
| 409012088 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Lender used monthly HOA dues of $XXX for the borrowers' primary residence to qualify. File is missing documentation verifying this expense. | 4/29 Client provided the HOA invoice supporting $XXX | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have owned their primary residence for XXX years XXX months.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX with current business since XXX.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been with current employer since XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is 67 points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required. |
| 409012091 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | RESPA | Satisfied B A | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | Lender's App Date is XXX; enclosed List of homeowners counseling organizations' issued date is XXX; the List's confirmed receipt/issued date w/i 3 business days of the app date missing. | 04/16/2025 Client provided missing List of homeowners counseling organizations dated XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have owned the subject property for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is below the maximum allowable LTV of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required. |
| 409012091 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Credit | Credit/Mtg History | Waived B | CRDCRMH124 | Collections, Liens, etc. not paid as required by guidelines | No | A credit supplement and 3rd party fraud report show a judgment against the borrower for $XXX. File is missing evidence this judgment has been paid and released. | 4/29 Client provided an LOX "they are appealing the judgement" condition remains for evidence the Judgement has been released5/2 Client provided an approved exception to allow the file without evidence the judgement is paid | xxx final grade is B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have owned the subject property for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is below the maximum allowable LTV of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required. |
| 409012091 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Credit | Income/Employment | Satisfied C A | CRDINC889 | Income is Not Reasonable | No | Lender DTI XXX% appears to be due to Subject P&I of $XXX and Note P&I of $XXXLender to clarify/verify the difference in P&I of $XXX vs $XXX(on 1008) | 4/29 Client provided updated 1003/1008 with updated 1008 | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have owned the subject property for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is below the maximum allowable LTV of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required. |
| 409012091 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Credit | Income/Employment | Waived C B | CRDINC2488 | Verbal verification of employment missing | No | File is missing verification of the existence of borrowers' XXX for the following businesses verified through a third-party source and no more than XXX(XXX) calendar days prior to the Note date:1) JXXX(Schedule C business)2) XXX3) XXX4) XXX5) XXX | 4.14.2025 Client provided duplicate in file xxx letter regarding two entities: XXX. and XXX and provided xxx (undated and post dated) for XXX. Condition remains, need VVOE (1). missing XXX (< XXX%) for both borrowers and (2). missing XXX & XXX(< XXX%) for B2; appear to be less than XXX% ownership. Note: XXXand Schedule C are losses, VVOE not required 4/29 Client provided an Email that " a xxx letter was provided" Condition remains5/2 Client provided a post close dated xxx letter 5/1/25 satisfying the remaining entities; However the VOE is post close dated; Condition remains 5.2.2025 Client provided exception approval to allow for xxx Letter (post close dated) for remaining entities | Upon review by xxx xxx, exception is deemed non-material. Exception approved, B Grade with compensating factors, excessive verified reserves 106 months, LTV XXX%, over XXX years at current residence and over XXX years with current Primary XXX | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have owned the subject property for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is below the maximum allowable LTV of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required. |
| 409012091 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | An additional property owned located at XXX Place is listed on the final 1003 as free & clear. However, the hazard insurance dec page shows a mortgagee. A Reconveyance provided in the file does not indicate which property it is for and is dated from XXX. An updated dec page with no mortgagee showing is required. | 4/30 Client provided insurance Dec page with no Mortgagee | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have owned the subject property for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is below the maximum allowable LTV of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required. |
| 409012098 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; XXX% max allowed.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required. |
| 409012102 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Credit | Income/Employment | Satisfied B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | B4's VOE is dated outside guideline requirements. Please provide updated VOE. | XXX Client provided VVOE for B4 dated XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXRequired: XXX months, met<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV |
| 409012103 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. XXX mortgage payment history; 0x30x24 required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX + REO $XXX \* XXX = $XXX required reserves. |
| 409012103 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Income/Employment | Satisfied C A | CRDINC2488 | Verbal verification of employment missing | No | Missing evidence of 3rd party source to verify the existence of borrower's XXX as required by XXX AUS program guides. | 4/15 Client provided a XXX VOE | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. XXX mortgage payment history; 0x30x24 required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX + REO $XXX \* XXX = $XXX required reserves. |
| 409012104 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Seller CD reflects additional closing costs that were not disclosed on the Final CD. | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXXrequired.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. |
| 409012104 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Credit | Income/Employment | Satisfied C A | CRDINC2488 | Verbal verification of employment missing | No | File is missing a VVOE for B2. | 4/28 Client provided VOE post dated XXX note date is XXX, condition remains, VOE must be within XXX days prior to close 5.2.2025 Client provided exception approval for post close VVOE for B2 however waiver not needed, VVOE is post close dated for B2 and file have a paystub dated XXX(pg. 157) with Note date XXX (Following FNMA guidelines to consider paystub dated within XXX business days prior to the note date in lieu of VVOE). Note: employer LOX in file (pg. 575) stating B2 having XXX% ownership and most recent paystub in file dated XXX; file also have XXX statement #XXX(pg 786) that reflects B2 payroll deposit and file have the paystub for this deposit (pg. 155) | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXXrequired.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. |
| 409012104 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Credit | Income/Employment | Waived C B | CRDINC150 | Income docs do not meet guidelines | No | XXX exception approval in file for missing XXX personal tax returns and payment of XXX taxes. XXX and XXX returns in file as well as P&Ls for XXX and XXX. Tax extension due to XXX . XXX extension shows $XXX balance due; XXX approved the exception with requirement to meet reserves plus $XXX to cover amount due to IRS. | 4/21 Client provided an approved exception to allow the file without the XXX taxes Reserves + $XXX MET | Upon review by xxx xxx xxx, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXXrequired.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. |
| 409012113 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Disclosure does not reflect all the required Seller paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit scoreXXX<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower XXX years at current employment |
| 409012114 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Very conservative credit user; minimal outstanding debt.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has XXX months PITI in reserves. |
| 409012126 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. |
| 409012192 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; XXX% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed. |
| 409012194 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Determine status upon / review receipt of missing XXX P&L | 4/25 Client provided the P&L | Satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been XXX with current business since XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXXpoints above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required. |
| 409012194 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance violation of $XXX due to the increased Credit Report Fee without a valid Reason/Explanation provided on the XXX COC. Borrower is due a refund of $XXX, Post CD with tolerance cure, LOE and proof of delivery that includes tracking information. | 04/22/2025 Client provided PCCD XXX with cure, copy of cure check, LOE and in transit shipping label. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been XXX with current business since XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXXpoints above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required. |
| 409012194 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Income/Employment | Satisfied D A | CRDINC3258 | Missing Profit and Loss statement for one or more Self Employed borrowers | No | Per guidelines, provide XXX P&L for 1120.Subject to income recalc and may be subject to additional conditions upon review. | 4/25 Client provided the XXX P&L supporting qualifying income | Satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been XXX with current business since XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXXpoints above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required. |
| 409012203 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Per the eSign Process Summary, file is missing the Initial XXX CD package. Provide the XXX CD package for review, including the COC and Rate Lock. | 05/07/25 Client provided the XXX Initial CD package, however the Tracking does not reflect delivery/confirmation of receipt by the Non-Borrowing Title Holder. Provide the confirmation of receipt for the Non-Borrowing Title Holder.05/08/25 Client provided another copy of the XXX CD package. Condition remains. Per the Tracking, the CD appears to have been delivered to the Non-Borrower via Email only, however there is no record of E-Consent or that the package was sent standard mail (if E-Consent was not received within timing). Provide the Non-Borrower's E-Consent with Confirmation of delivery for the XXX CD, or provide evidence the CD was delivered via another method (Mail or In Person). 05/12/25 Client provided a screen shot showing the XXX CD was sent by hard copy (Mailed) on XXX with Receipt on XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% qualifying LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score |
| 409012203 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Assets | Satisfied D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Per guidelines, provide second consecutive month's statement for XXX combo.XXX statement is in file. May be subject to additional conditions upon review. | 5/6 Client provided the XXX statement | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% qualifying LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score |
| 409012203 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Income/Employment | Waived C B | CRDINC150 | Income docs do not meet guidelines | No | XXX and XXX bonus income was used to qualify Year end XXX paystub reflects XXX Bonus as Deferred Comp, and the XXX Bonus is also not on the WVOE.Per guidelines: 'Unacceptable Sources of Income: Deferred compensation' | 5/6 Client provided an approved exception to allow the Borrower to qualify using deferred income (XXX Bonus income deferred) | Upon review by xxx xxx xxx, Condition is a Non Material B grade; LTV below GLS, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% qualifying LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score |
| 409012203 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Property Valuations | Appraisal | Waived D B | PRVAAPPR3116 | Missing updated valuation | No | CU score in file, xxx. However CU score not allowed per guides. Please provide xxx supporting appraised value. May be subject to additional conditions upon review. | 5/02/2025 client provided an approved exception for use of CU score. | Upon further review by xxx xxx exception is deemed Non-Material. File contains a CU score within variance. Final grade B. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% qualifying LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score |
| 409012203 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Property Valuations | Property | Waived C B | PRVAPROP241 | Property Type unacceptable under guidelines | No | Non Warrantable Condo with parameters outside of guidelines due to: This is a new condo project, still under control of the builder.< XXX% of the total units in the project have been conveyed or are under contract for sale to principal residence or second home purchasers | 5/1/25 XXX Comments - approved client exception in file - not yet applied due to open conditions / exceptions 5/6 Client provided an approved exception to allow the file with NW Condo dur to Builder in charge of HOA project under construction | Upon review by xxx xxx xxx, Condition is a Non Material B grade; Low LTV, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% qualifying LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score |
| 409012210 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID4056 | TRID - CD: The Total Payment Amount on the Loan Calculation section of the Final Closing Disclosure is less than the xxx Calculated Total Payment Amount | No | CD: 04/15/2025-1 [Last CD], Section: Loan Calculation, Field: Total of Payments, CD Value: XXX, internal calculation Value: XXX. Difference of $XXXPer XXX XXX in file, Total of Payments amount is matching to internal calculation. Condition is pending receiving a copy of refund for understated amount, client permission, LOE to borrower with PCD and a proof of shipping with tracking. | 04/24/2025 Client provided CD XXX with a note Stating: This is the Final CD, the final CD in the package had the wrong page. Signed at closing from a prior package. See Time Stamps. Tome tamps verified that the CD XXX was done on XXX and the Final CD with time stamps as XXX, the Closing date. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months of PITI available in reserves; XXX months required. |
| 409012211 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers reserves XXX months PITIA. |
| 409012211 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing verification of HOA dues for XXX not to exceed $XXX monthly. | 5/1 Client provided evidence of HOA dues $XXX | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers reserves XXX months PITIA. |
| 409012218 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing evidence to verify balance and payment on new account open XXX per borrower LOX. | 4.15.2025 Client provided supplement for new debt w/XXX opened XXX with balance of $XXX and using XXX% of balance for payment of $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX = $XXX required reserves.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been in their respective professions for XXX and XXX years.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have lived at the same residence 0x30 for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX. |
| 409012218 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX = $XXX required reserves.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been in their respective professions for XXX and XXX years.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have lived at the same residence 0x30 for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX. |
| 409012218 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Assets | Satisfied D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing an additional bank statement or transaction history; bank statement running from XXX - XXX and account transaction history running from XXX through XXX provided only account for XXX mo. and XXX days where a XXX month period is required by DU. | 4/17 Client provided a duplicate XXX - XXX statement; condition remains 4.17.2025 Client provided prior statement XXX #XXX XXX - XXX and XXX - XXX and file have XXX - XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX = $XXX required reserves.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been in their respective professions for XXX and XXX years.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have lived at the same residence 0x30 for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX. |
| 409012218 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Missing evidence to verify balance and payment on new account open XXX per borrower LOX; lender used $XXX balance and 5% for payment of $XXX to include in DTI. Review included same for this purpose. | 4.15.2025 Client provided supplement for new debt w/XXX opened XXX with balance of $XXX and using XXX% of balance for payment of $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX = $XXX required reserves.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been in their respective professions for XXX and XXX years.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have lived at the same residence 0x30 for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX. |
| 409012234 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been in their respective professions for XXX and XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX effective/reserves; $XXX \* XXX = $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XX%. |
| 409012236 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have XXX on current and previous mortgages<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX or XXX months PITI. XXX months required |
| 409012237 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require X months or $ XXX X XXX = $ XXX |
| 409012240 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 | Unable to test a loan product due to missing initial CD in file. | 04/22/2025 Client provided missing Initial CD XXX with COC and e-sign process summary reflecting e-consent XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% |
| 409012240 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing initial CD acknowledged by borrowers minimum of XXX days prior to closing. | 04/22/2025 Client provided missing Initial CD XXX with COC and e-sign process summary reflecting e-consent XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% |
| 409012240 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Credit | Application | Satisfied D A | CRDAPP130 | Application is incomplete | No | Lender to provide a corrected 1003, 2 additional properties on 1003 all state primary residence. | 4.21.2025 Client provided updated 1003 showing both as investment | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% |
| 409012240 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Credit | Credit/Mtg History | Satisfied B A | CRDCRMH122 | Foreclosure history does not meet guidelines | No | Lender to verify no foreclosure on XXX XXX | 4/23 Client provided evidence FC is tied to prior property owner | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% |
| 409012245 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline requirement of XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have reserves of (XXX) months PITI.<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrowers are very conservative credit users; minimal outstanding debts. |
| 409012253 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months of PITI available in reserves; XXX months reserves. |
| 409012255 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required seller-paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% |
| 409012263 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD. | (No Data) | Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXXrequired.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. |
| 409012268 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Sections C & H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. XXX mortgage payment history; 0x30x24 required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX\*6 + REO $XXX \* XXX = $XXXreserves required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%. |
| 409012284 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD. | (No Data) | Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX + Primary $XXX \* XXX = $XXX required reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%. |
| 409012284 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Zero tolerance in amount of $XXX due to added HOA Cert fee on LE XXX with no COC in file. Lender's credit of $XXX for tolerance cure was applied towards increased Appraisal and added Rush fee. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 05/01/25 Client provided a XXX Post CD with cure, refund check, LOE and shipping label. Tracking shows only the label has been created. Condition remains for the proof of shipment.05/02/25 Client provided updated tracking that confirms shipment. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX + Primary $XXX \* XXX = $XXX required reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%. |
| 409012284 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Missing lender's income calculation used for qualifying. | 4.17.2025 Client provided Lender Cash Flow Income Analysis with calculation of income used for qualifying | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX + Primary $XXX \* XXX = $XXX required reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%. |
| 409012284 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Credit | Insurance | Satisfied D A | CRDINSR3278 | Hazard Insurance documentation in file is incomplete | No | Missing HOA/master condo insurance policy for the subject property; only HO6 coverage policy provided. | 4.21.2025 Client provided subject Master Policy for Condo | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX + Primary $XXX \* XXX = $XXX required reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%. |
| 409012285 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing XXX, ComplianceEase, or ATR/QM Analysis. | 4/29 Client provided the MAVENT | Satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with XXX Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months PITI in reserves. |
| 409012285 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Per Tracking disclosure on page 412, a revised CD was issued and e-signed by borrowers on XXX. Disclosure is missing in file | 04/28/25 Client provided the missing XXX CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with XXX Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months PITI in reserves. |
| 409012285 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | RESPA | Satisfied B A | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | List of Homeowners XXX not found in file. | 04/28/25 Client provided the HC List. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months PITI in reserves. |
| 409012285 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | B1 works for Originating Lender, missing established employee loan program information or acknowledgment there is no employee program. | 4/29 Client provided a WVOE; condition remains for established employee loan program information or acknowledgment there is no employee program. 5/6 Client provided evidence of the Employee loan program | Satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with XXX Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months PITI in reserves. |
| 409012285 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Terms/Guidelines | Satisfied C A | CRDTER4631 | Loan parameters do not meet guidelines | No | Loan changed to XXX XY provide updated lock | 4/30 Client provided the updated lock | Satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with XXX Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months PITI in reserves. |
| 409012285 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Terms/Guidelines | Satisfied D A | CRDTER2548 | Missing AUS or AUS errors present | No | Loan program Sequoia AUS; missing AUS. | 4/29 Client changed the program to XXX Xy | Satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with XXX Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months PITI in reserves. |
| 409012303 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Missing initial CD XXX issued and acknowledged by non-borrowing spouse min XXX days prior to closing date. If disclosure was email, a prior e-consent is also required. | 04/25/2025 Client provided Interim CD XXX hand signed by all on XXX for evidence CD provided XXX days prior to closing. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% CLTV below guideline requirements of XXX% per program.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline requirement of XXX%. |
| 409012303 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID3600 | TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered | No | Revised CD XXX s e-signed by non-borrower but a prior e-consent is missing in file. | 04/23/2025 Client provided Accepted consent for Borrower. Condition Remains. Provide prior e-consent for Non Borrower. 04/05/2025 Client provided a Hand signed by both, copy of Interim CD XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% CLTV below guideline requirements of XXX% per program.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline requirement of XXX%. |
| 409012304 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3950 | TRID - CD: The Additional Product Feature value in the CD Loan Information section and the Negative Amortization disclosure in the CD Loan Disclosures section are not consistent | No | Final CD dated XXX, Loan Disclosures, Negative Amortization section, no boxes are checked. Condition is pending receiving corrected PCD and LOE to borrower. | 04/25/2025 Client provided PCCD xxx with correction and LOE. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI |
| 409012304 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID4373 | TRID - CD: Closing Disclosure contains conflicting loan attributes | No | Final CD dated XXX, Loan Disclosures, Negative Amortization section, no boxes are checked. Condition is pending receiving corrected PCD and LOE to borrower. | 04/25/2025 Client provided PCCD XXX with correction and LOE. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI |
| 409012304 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID3600 | TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered | No | Initial CD XXX was e-signed by non-borrowing spouse however a prior e-consent is missing in file. | 04/25/2025 Client provided E-consent for Borrower accepted XXX and E-consent for Non-Borrower accepted XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI |
| 409012308 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \*XXX = $XXX reserves required. |
| 409012309 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing evidence to verify child support payment reflected on application via divorce decree, separation agreement or any other written legal agreement as is required by DU. | 5.2.2025 Client provided copy of Divorce Decree Judgment dated XXX (Filed) verifying child support of $XXX(#11), same amount reflected on 1003 by borrower as monthly obligation. | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Assets: $XXX reserves verified; $XXX \* XXX = $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. XXX mortgage payment history; 0x30x24 required. |
| 409012309 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Legal Documents | Satisfied D A | CRDLGL4033 | Missing Legal Document(s) | No | Missing evidence to verify child support payment reflected on application via divorce decree, separation agreement or any other written legal agreement as is required by DU. | 5.2.2025 Client provided copy of Divorce Decree Judgment dated XXX (Filed) verifying child support of $XXX(#11), same amount reflected on 1003 by borrower as monthly obligation. Condition remains for updated corrected Final DU, DU submission #X(in file) reflect a DTI of XXX% (which exceed guidelines). 5.2.2025 Client provided updated DU submission #X with DTI XXX% Note: appears P&I payment of $XXX with XXX was omitted due to business pays | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Assets: $XXX reserves verified; $XXX \* XXX = $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. XXX mortgage payment history; 0x30x24 required. |
| 409012315 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required seller-paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed. |
| 409012315 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Terms/Guidelines | Satisfied D A | CRDTER2548 | Missing AUS or AUS errors present | No | XXX AUS XXX YR program. File does not contain an AUS. | 4.17.2025 Client provided DU Approval dated XXX and submission #X | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed. |
| 409012317 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required seller-paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX = $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have lived in the same residence for XXX years.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%. |
| 409012317 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Missing lender's income calculations for both borrowers. | 4/22 Client provided the income WS | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX = $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have lived in the same residence for XXX years.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%. |
| 409012318 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | Loan Estimates and Closing Disclosures were delivered to borrowers via e-mail without a prior e-consent in file. Provide e-consent for both borrowers. | 04/08/25 Client provided the missing E-Consents. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have owned the subject property for XXX years XXX month.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is below the maximum allowable LTV of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months of PITI available in reserves; XXX months required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. |
| 409012318 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Legal Documents | Satisfied D A | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws | No | File is missing signed authorization to close the HELOC mortgage paid off with subject transaction. | 4.7.2025 Client provided LOX stating, Payoff from Figure indicates the account would be automatically closed when payoff made by wire rather than ACH. Response, per payoff #7 account closure & release of lien, payoffs received via money wire will be treated as requests for account closure and release of lien unless you expressly inform us that you would like to leave the account open prior to payoff and per Title #16 Cancellation of equity line affidavit from the Mortgagor instructing the Lender to close the account. Condition remains for executed request from borrower requesting closure of HELOC w/Figure 4.15.2025 Client provided executed request by borrower (Payoff transmittal) requesting closure of HELOC upon receipt of payoff | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have owned the subject property for XXX years XXX month.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is below the maximum allowable LTV of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months of PITI available in reserves; XXX months required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. |
| 409012319 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed. |
| 409012320 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX |
| 409012321 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | Documentation | Satisfied D A | CMPDOC806 | Notary Status is missing | No | Executed Notary signature page [page 15] is missing from file. | 04/23/2025 Client provided a copy of the Recorded Mortgage including the Notary page fully executed. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: XXX for XXX months |
| 409012321 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD. | (No Data) | Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: XXX for XXX months |
| 409012321 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | XXX percent tolerance in amount of $XXX due to title fees and recording fee increased with no COC in file to support it. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 04/24/2025 Client provided PCCD XXX with principal reduction, loan transaction history reflecting payment applied, LOE and In Transit shipping label. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: XXX for XXX months |
| 409012325 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Section C are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS3840: Borrower has experience in excess of XXX minimum<br> - xxx Comments: Borrower in same line of employment XXX years |
| 409012328 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has stable employment with XXX years at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Fico score XXX exceeds guide lines. |
| 409012330 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been with current employer since XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXXis XXX points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Assets: Borrowers have XXX, or XXX months of PITIA available in reserves; XXX months PITIA in reserves required.. |
| 409012330 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR4789 | Appraisal Deficiency | No | Unable to determine correct property type. A master HOA insurance policy provided in the file indicates property is located in a PUD, mortgage has a condominium rider attached and the appraisal shows property is a SFR that is not located in a PUD. Lender used monthly HOA dues of XXX to qualify. Official documentation verifying correct property type and verification of monthly HOA dues is required. A corrected appraisal and mortgage with appropriate rider may also be required. | XXX Client provided a revised appraisal removing PUD; Condition remains there are conflicting documents throughout the file; Provide Final title or full commitment and a letter from the Title Company to confirm the type of Home owners Association declaration is filed; based on the mortgage rider and other file docs the subject appears to be a site condo or a PUD, upon review additional conditions may apply. Mortgage have Rider Condo, Title is showing as Condo and appraisal now reflect as Site Condo vs PUD. XXX Client provided a snip shot of what the updated appraisal previously provided stating subject is a detached site condo and PUD box unchecked in report with subject having monthly HOA of XXX per month (which is found stated on appraisal that was previously provided) and per Prelim Title in file (pg. 828) stating subject will be known as a Condominium. | Condition satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been with current employer since XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXXis XXX points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Assets: Borrowers have XXX, or XXX months of PITIA available in reserves; XXX months PITIA in reserves required.. |
| 409012335 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Final Master Settlement Statement in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV below guideline requirements |
| 409012335 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Credit | Income/Employment | Satisfied B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | VVOE in file from Lender stating source of contact: XXXX xxx however missing 3rd party xxx for Schedule C business. Provide xxx 3rd party verification | 5.13.2025 Client provided xxx dated XXX for Schedule C business | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV below guideline requirements |
| 409012340 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Section H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Required Reserves: $XXX. Verified $XXXSubject: $XXX x XXX = $XXXPrimary: $XXX x XXX = $XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years |
| 409012340 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Ability to Repay/Qualified Mortgage | Satisfied C A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Provide QM Determination | 4/15 Client provided the Compliance ease SH APOR | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Required Reserves: $XXX. Verified $XXXSubject: $XXX x XXX = $XXXPrimary: $XXX x XXX = $XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years |
| 409012340 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Provide LOE from Borrower regarding the significant decline in bonus. | 4.17.2025 Client provided Borrower LOX regarding bonus | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Required Reserves: $XXX. Verified $XXXSubject: $XXX x XXX = $XXXPrimary: $XXX x XXX = $XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years |
| 409012352 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Provide HOI for XXX. Per 1003 $XXX/month (taxes; HOI; HOA). Verified $XXX/month HOA and $XXX/month Taxes | 4/29 Client provided the insurance invoice supporting $XXX premium | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI |
| 409012353 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXXqual score; min XXX.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: XXX effective/reserves; $XXX= $XXX reserves required. |
| 409012358 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has Good credit history with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require 6 months or $ XXX X XXX = $ XXX |
| 409012358 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in the amount of $XXX as discount points were added to CD XXX without a COC in file. Condition is pending receiving a change of circumstances/updated Rate Lock or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 04/23/2025 Client provided COC XXX reflecting changes on LE XXX as Loan Program change to INV1E1 XXX year fixed per Borrowers request resulting in discounts Points added due to pricing adjustments for rate, LTV and FICO scores with missing LE XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has Good credit history with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require 6 months or $ XXX X XXX = $ XXX |
| 409012359 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX% |
| 409012361 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Credit | Legal Documents | Satisfied B A | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws | No | Missing proof XXX Heloc has been closed. | 5.5.2025 Client provided executed by borrowers requesting closure of HELOC w/XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% below guideline requirements of XXX% per program.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%. |
| 409012370 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Sections E, F, & H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required. |
| 409012371 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and one financed REO<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX % LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score |
| 409012371 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Credit | Ability to Repay/Qualified Mortgage | Satisfied C A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Lender to provide an ATR/QM status determination. | XXX Client provided Mavent w/QM Safe Harbor | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and one financed REO<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX % LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score |
| 409012371 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Credit | Income/Employment | Satisfied B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | A. VOE for B1 Schedule C met via xxx letter in File. B. VOES in file for B1 XXX XXX XXX and B2 XXX XXX XXX dated outside requirements. Provide updated VOES meeting below guidelines. May be subject to additional conditions upon review. 'Verification of Employment Requirements: Requirements below apply when income is positive and included in qualifying income: Verbal Verification of Employment (VVOE) must be performed no more than ten(XXX) business days prior to the Note date. The Verbal VOE should include the following information for the borrower Date of contact Name and title of person contacting the employer Name of employer Start date of employment Employment status and job title Name, phone #, and title of contact person at employer Independent source used to obtain employer phone number Fannie Mae Verification of Employment alternatives allowed for non-self-employed borrowers' | XXX Client provided VVOE dated XXXfor B1 employment XXX XXX XXX and provided xxx undated for B2 XXX XXX XXX (however B2 < XXX % owner) and Written VOE in file for B2 employment is dated XXX Note date XXX condition remains for B2 prior to closing VVOE dated within XXX business days of Note and B1 VVOE XXX dated within XXX business days of Note date. Both (B1/B2) VVOE is dated prior to closing however not within XXX business days. XXX Client provided post close VVOEs for each job and employment dated XXX showing employment and XXX employment were active at time of close and as of XXX | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and one financed REO<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX % LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score |
| 409012371 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Credit | Title | Satisfied C A | CRDTIL875 | Title Does Not Agree With Mortgage | No | DOT: B1 and B2 and Non Borrower, tenants in common Warranty Deed: B1 as to a XXX% interest, and B2 as to a XXX% interest, and Non Borrower, as to a XXX% interest, as tenants in common Title: B1 and B2 and Non Borrower Provide updated matching documents | XXX Client provided the intent to re record the corrected DOT | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and one financed REO<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX % LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score |
| 409012371 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Property Valuations | Property | Satisfied D A | PRVAPROP111 | Legal Nonconforming w/out Rebuild Letter | No | Appraiser to provide Rebuild Letter | XXX Client provided updated appraisal indicating the property can be rebuilt | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and one financed REO<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX % LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score |
| 409012377 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI |
| 409012386 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. XXX mortgage payment history; 0x30x24 required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX. |
| 409012386 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Assets | Satisfied C A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | 1. XXX # XXX in XXX name2. XXX #XXX in XXX name Provide documentation supporting percentage of the above businesses owned by the Borrowers. Subject to asset recalc and may be subject to additional conditions upon review | 4/29 Client provided xxx lookup and annual reports for the two entities; condition remains for Borrowers ownership parentage in each 4.30.2025 Client provided copy of Operating Agreement verifying borrower is 100% owner for each business: XXX and XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. XXX mortgage payment history; 0x30x24 required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX. |
| 409012386 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Terms/Guidelines | Satisfied D A | CRDTER2548 | Missing AUS or AUS errors present | No | Provide updated DU findings due to > XXX% DTI difference. May be subject to additional conditions upon review. | 4/24 Client asked for a review, upon review REO income recalculated and DTI is updated to be XXX Lender DTI XXX within tolerance Updated AUS not required | Satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. XXX mortgage payment history; 0x30x24 required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX. |
| 409012387 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Compliance | Finance Charge Tolerance | Satisfied C A | CMPFINT106 | Finance charge understated by more than $100 (Pmt Stream) | No | Finance charges are understated by $XXX due to Appraisal Rush fee not being included into calculation. Provide evidence that borrower requested the appraisal to be rushed or a copy of refund, LOE to borrower, re-opening rescission to all title holders with dates allowing for method of delivery and proof of shipping with tracking. | 04/28/25 Client provided the Email conversation history from XXX reflecting the Appraisal Request Notes with Due Date and Lender's approval from Borrower to rush the Appraisal to accommodate their travel schedule. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score |
| 409012387 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Compliance | Finance Charge Tolerance | Satisfied C A | CMPFINT4372 | TILA/TRID-Disclosed Amount Financed is higher than xxx's calculated Amount Financed | No | Finance charges are understated by $XXX due to Appraisal Rush fee not being included into calculation. Provide evidence that borrower requested the appraisal to be rushed or a copy of refund, LOE to borrower, re-opening rescission to all title holders with dates allowing for method of delivery and proof of shipping with tracking. | 04/28/25 Client provided the Email conversation history from XXX reflecting the Appraisal Request Notes with Due Date and Lender's approval from Borrower to rush the Appraisal to accommodate their travel schedule. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score |
| 409012387 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $XXX as Appraisal Rush fee was being charged to borrower. Initial application date XXX with initial LE disclosure to borrower on XXX. Appraisal was ordered on XXX (per invoice in file) including rush fee. Provide a documentation as to why Appraisal was ordered a month later from initial disclosures and charged with Rush fee or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information | 04/28/25 Client provided the Email conversation history from XXX reflecting the Appraisal Request Notes with Due Date and Lender's approval from Borrower to rush the Appraisal to accommodate their travel schedule. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score |
| 409012387 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Credit | Assets | Satisfied D A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Provide sufficient documentation reflecting updated balance for XXX as of XXX. Transaction history printout is in file - but it does not reflect current balance. Subject to reserves recalc and may be subject to additional conditions upon review. | 4/29 Client provided the updated Fidelity statement | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score |
| 409012387 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Credit | Income/Employment | Satisfied B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Note date XXX.WVOE XXX.Provide VOE meeting guidelines. May be subject to additional conditions upon review. | 4/29 Client provided a XXX VOE | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score |
| 409012387 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Credit | Terms/Guidelines | Satisfied D A | CRDTER2548 | Missing AUS or AUS errors present | No | Provide updated DU findings due to > XXXX% DTI differential, due to differing bonus calcs. May be subject to additional conditions upon review. | 4/29 Client provided an updated DU approval matching DTI | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score |
| 409012411 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Provide Hazard Insurance binder stating expxxxtion date. | XXX Client provided HOI policy with expxxxtion date | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI |
| 409012414 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Compliance | Right of Rescission | Waived B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Per title commitment in file, loan originated with same lender. Incorrect ROR H-8 Form Used in Refinance with Original Creditor | XXX Client provided an exception approval for using incorrect ROR form | XXX Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of XXX or XXX months PITI; XXX or XXX months required. |
| 409012414 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3952 | TRID - CD: The CD Projected Payments section and the CD Loan Disclosures section are not consistent in regards to whether or not an escrow account will be established | No | Final CD:XXX reflects No Escrows in the Projected Payments Section and on the Loan Disclosures Section, Non-Escrowed amounts were disclosed in the Escrows Section instead of the No Escrow Section. | XXX Client provided a corrected XXX PCCD. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of XXX or XXX months PITI; XXX or XXX months required. |
| 409012414 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5741 | TRID - CD: In the CD Escrow section, You will have an escrow account is indicated, but any of the Escrowed Property Costs or Escrow Payment = $0 or Null | No | Final CD:XXX reflects No Escrows in the Projected Payments Section and on the Loan Disclosures Section, Non-Escrowed amounts were disclosed in the Escrows Section instead of the No Escrow Section. | XXX Client provided a corrected XXX PCCD. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of XXX or XXX months PITI; XXX or XXX months required. |
| 409012414 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support the appraisal value of $XXX. CU score is XXX. | XXX Client provided 3rd party xxx valuation supporting appraised value with XXX% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of XXX or XXX months PITI; XXX or XXX months required. |
| 409012415 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been in their respective professions for XXX and XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: XXX reserves; $XXX= XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%. |
| 409012416 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required seller-paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has Good credit history with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX |
| 409012424 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor (APOR) D B C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXX. |
| 409012424 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor (APOR) D B C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | XXX percent tolerance in amount of $XXX due to added Home Inspection fee in C. section on CD XXX with no COC in file to support it. SPL doesn't include a provider for this service, fee is not a shoppable service and is tested for XXX% violation together with Recording fee. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 05/07/25 Client provided an Email LOE from the Lender and a corrected XXX PCCD moving the Home Inspection Fee to Section H (optional). | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXX. |
| 409012424 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor (APOR) D B C | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing mortgage statement for XXX | 5/6 Client provided the Mortgage statement supporting PITI | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXX. |
| 409012426 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | A Trust Review fee was added on LE XXX for $XXX without a change of circumstance in file. Zero tolerance cure required for $XXX. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 04/18/2025 Client provided COC XXX reflecting a Trust Review fee added, Trust review in file. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required. |
| 409012426 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Credit | DTI | Satisfied C A | CRDDTI134 | Debt Ratio Exception =>10% | No | Qualifying DTI is XXX% due to differing income calcsMax DTI per guides is XXX% | 4/17 Client provided updated 1003/1008/ DTI is XXX | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required. |
| 409012426 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Credit | DTI | Satisfied C A | CRDDTI187 | Debt Ratio > 60% | No | Recalculated DTI of XXX% exceeds the maximum allowable DTI of XXX%. Lender used interest/dividend income for B1 in the amount of $XXX/month and B2 in the amount of $XXX/month to qualify. File is missing prior 2 years tax returns with Schedule B, and all other Schedules and attachments, and current account statements paying the income if not already in the file. Additional review required upon receipt of the documentation. | 4.17.2025 Client provided XXX #XXX XXX and XXX XXX bank statement appears to be using this additional interest/dividends income for both borrowers however still missing XXX/XXX 1040 tax returns to support the additional income that is being used (as reflected as such on DU #13 Condition remains for XXX years tax returns for additional income calculation4/17 Client provided two years 1040s with XXX from Schedule B | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required. |
| 409012426 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Interest/dividend income for B1 in the amount of $XXX/month and B2 in the amount of $XXX/month was used to qualify. File is missing prior XXX years tax returns with Schedule B, and all other Schedules and attachments, and current account statements paying the income if not already in the file. | 4.17.2025 Client provided XXX #XXX XXX and XXX bank statement appears to be using this additional interest/dividends income for both borrowers however still missing XXX/XXX 1040 tax returns to support the additional income that is being used (as reflected as such on DU #13 Condition remains for XXX years tax returns, for calculation of additional income. 4/17 Client provided two years 1040s with XXX from Schedule B | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required. |
| 409012426 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Credit | Terms/Guidelines | Satisfied D A | CRDTER2548 | Missing AUS or AUS errors present | No | Provide updated DU findings with updated income / DTI amounts, due to > XXX% DTI differential. May be subject to additional conditions upon review. | 4/17 Client provided updated evidence of XXX income DTI XXX | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required. |
| 409012428 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Sections E & H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have XXX months of XXX on current mortgage<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been at current employer for over XXX years |
| 409012433 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $XXX or XXX months<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% |
| 409012439 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Terms/Guidelines | Satisfied D A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing lender's 1008. | XXX Client provided Lender 1008 | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has stable employment with XXX years at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Fico score XXX exceeds guide lines. |
| 409012449 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX |
| 409012452 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required seller-paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require X months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX |
| 409012452 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Credit | Terms/Guidelines | Waived B | CRDTER3262 | Property issues indicated | No | Properties With Acreage Exceeding Program Limits Or With Site Value Greater Than XXX% On Greater Than XXXX Acres. Subject is on XXX acres. Max is XX. | 4/9/25 Approved XXX Exception Provided for subject on over XXX acres. | xxx initial & final grade of B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require X months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX |
| 409012454 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied B A | CMPTRID5089 | TRID - Escrow Waiver Fee disclosed in Loan Disclosures but is not contained in Loan Costs and no evidence the fee was charged | No | Final XXX, in Loan Disclosures section, Escrow Waiver Fee of XXX indicated vs. does not in Loan Costs section A; enclosed Escrow Waiver disclosure does not indicate any fee involved and Rate Lock in file doesn't include a breakdown of Discount Points charge to borrower. | 05/05/25 Client provided a screen shot of the Pricing Adjustments that reflects the XXX adjustment for No Impounds. No separate fee being charged. | Condition Satisfied. | Not Applicable | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been in their respective professions for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. XXX mortgage payment history; 0x30x24 required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: XXX reserves verified; XXX= XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX % DTI; max XXX%. |
| 409012454 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID5097 | TRID - Escrow Waiver Fee disclosed in Loan Costs Section differs in amount from the amount in Loan Disclosures | No | Final CD XXX, in Loan Disclosures section, Escrow Waiver Fee of XXX indicated vs. does not in Loan Costs section A; enclosed Escrow Waiver disclosure does not indicate any fee involved and Rate Lock in file doesn't include a breakdown of Discount Points charge to borrower. | 05/05/25 Client provided a screen shot of the Pricing Adjustments that reflects the XXX adjustment for No Impounds. No separate fee being charged. | Condition Satisfied. | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been in their respective professions for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. XXX mortgage payment history; 0x30x24 required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: XXX reserves verified; XXX= XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX % DTI; max XXX%. |
| 409012454 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of XXX due to increase in Appraisal fee on LE XXX. COC dated XXX indicates the reason due to complexity. Dwelling is a standard 3/2 XXXXsqft large in dense area. Condition is pending receiving a valid Change of Circumstances with a detailed explanation the complexity or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 05/05/25 Client provided the Appraisal Order Status History that shows the Appraiser increased charge due to the property complexity. Condition remains. The History shows the Appraisal increase occurred on XXX, however this was not disclosed to the borrower until the XXX Loan Estimate. Timing was not met for re-disclosure. Borrower is due a refund of $XXX, Post CD with tolerance cure, LOE and proof of delivery that includes tracking information.05/16/25 Client provided a XXX PCCD with cure, $XXX refund check, LOE and proof of delivery. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been in their respective professions for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. XXX mortgage payment history; 0x30x24 required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: XXX reserves verified; XXX= XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX % DTI; max XXX%. |
| 409012456 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Compliance | XXXX Home Equity | Satisfied C A | CMPTXHE108 | XXXX Equity - Total fees greater than the allowable cap | No | Adjusted Charges$XXXTotal Loan Amount$XXXMaximum Charges %XXX%Maximum Charges$XXXCharges Margin to Threshold$XXXTotal Charges %XXX%Exceeds fees test threshold? Yes | 05/20/25 Client provided the XXX reflecting the Undiscounted Rate. Re-testing results in no violation. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has Good credit history with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX |
| 409012456 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has Good credit history with X Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX |
| 409012456 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Credit | Insurance | Satisfied D A | CRDINSR865 | Missing proof of flood insurance in File | No | Missing Flood Insurance Binder with coverage amount | 5/12 Client provided Flood insurance | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has Good credit history with X Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require 3 months or $ XXX X XXX = $ XXX |
| 409012458 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Missing final CD acknowledged by borrowers at closing. | XXX Client provided a signed LOE from Lender stating the loan was a Hybrid closing. The Final CD was electronically signed on XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. XXX mortgage payment history; 0x30x24 required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%. |
| 409012461 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Credit | DTI | Satisfied B A | CRDDTI105 | Debt Ratio Exception 5% or Less | No | Verified taxes per tax invoice and Title co tax info sheet is $XXX per month and Lender used $XXX; DTI XXX | 5.7.2025 Client provided Lender rebuttal LOX in Collaborate regarding monthly taxes used of $XXX Response, per tax bill it also do state $XXX Real Estate taxes for monthly $XXX and same used by Appraiser and same reflected on data verify | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: r<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX years XXX months at job<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX LTV is below XXXLTV MAX |
| 409012464 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Credit | Credit/Mtg History | Satisfied B A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing VOR 0x30x12 | 4.24.2025 Client provided satisfactory VOR for current housing history | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment XXX years |
| 409012474 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Per Notary status on Mortgage, closing took place on XXX. Final CD is signed on XXX. | XXX Client provided executed and notarized by Title company Affidavit from original notary whom completed and notarized the Mortgage document verifying the year of XXX was incorrect and should have been XXX vs XXX and affidavit have been recorded | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrowers are conservative credit users; minimal outstanding debt.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers reserves XXX months PITIA. |
| 409012474 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH818 | Credit report date greater than transaction date | No | Notary status on Mortgage, closing took place on XXX. Credit report date greater than transaction date | XXX Client provided executed and notarized by Title company Affidavit from original notary whom completed and notarized the Mortgage document verifying the year of XXX was incorrect and should have been XXX vs XXX and affidavit have been recorded | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrowers are conservative credit users; minimal outstanding debt.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers reserves XXX months PITIA. |
| 409012474 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Per Notary status on Mortgage, closing took place on XXX. Insurance Effective date is greater than the transaction date | XXX Client provided executed and notarized by Title company Affidavit from original notary whom completed and notarized the Mortgage document verifying the year of XXX was incorrect and should have been XXX vs XXX and affidavit have been recorded | Condition satisfied | Not Applicable | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrowers are conservative credit users; minimal outstanding debt.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers reserves XXX months PITIA. |
| 409012474 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Property Valuations | Appraisal | Satisfied B A | PRVAAPPR267 | Appraisal dated after closing | No | Per Notary status on Mortgage, closing took place on XXX. Appraisal dated after closing | XXX Client provided executed and notarized by Title company Affidavit from original notary whom completed and notarized the Mortgage document verifying the year of XXX was incorrect and should have been XXX vs XXX and affidavit have been recorded | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrowers are conservative credit users; minimal outstanding debt.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers reserves XXX months PITIA. |
| 409012480 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require 6 months or $ XXX X XXX = $ XXX |
| 409012485 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers final settlement statement document. Consistent with the XXX, we are satisfying to 1/A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XXX months or $ XX X XXX = $ XXX |
| 409012485 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $XXX due to increased Credit Report fee on initial CD XXX. COC dated XXX doesn't include the reason as to why fee increased. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information | 04/28/25 Client provided a duplicate copy of the XXX COC and CD. Condition remains. The COC does not provide a valid Reason/Explanation for why the Credit Report fee increased.05/08/25 Client provided a XXX PCCD with cure, LOE, $XXX refund check and Tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XXX months or $ XX X XXX = $ XXX |
| 409012488 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required $XXX.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX years, XXX months at current job. |
| 409012491 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; XXX% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. |
| 409012511 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD. | (No Data) | Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; XXX months or $XXX required. |
| 409012511 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Credit | Credit/Mtg History | Waived B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | File is missing a XXX month rental history. | 4/21 Client provided an approved exception to allow the file without the VOR (prior homeowner within XXX years) | xxx final grade is B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; XXX months or $XXX required. |
| 409012512 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI. XX months required<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI |
| 409012519 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has Good credit history with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX |
| 409012523 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing settlement statement verifying the sale of property required to not include REO PITI into DTI calculation. | 4/28 Client provided the executed settlement statement with sufficient proceeds and payoffs | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX = $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX. |
| 409012523 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX = $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX. |
| 409012523 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in the amount of $XXX as Appraisal Fee was added to LE XXX without a change of circumstances in file. Condition pending receiving a Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 04/25/2025 Client provided COC XXX reflecting change in the Appraisal charges due to Complexity of property, supported by Invoice in file PageXXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX = $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX. |
| 409012523 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Assets | Satisfied D A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Missing settlement statement documenting the sale of property proceeds being used as funds to close; required by DU in addition to net equity being included in liquid asset account. | 4/28 client provided the settlement statement showing sufficient funds from the REO sale | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX = $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX. |
| 409012523 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Missing evidence to verify borrower's self-employment existence through a third-party source no more than XXX calendar days prior to note date XXX. | 4/23 Client provided the VOE | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX = $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX. |
| 409012523 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Missing lender's XXX income calculation on FNMA form 1084 (or equivalent) along with liquidity analysis as outlined in XXX AUS program guides. | 4/23 Client provided the 1084 form | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX = $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX. |
| 409012527 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fee that should be disclosed in Section C is not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with XXX Mortgage payment history exceeds guidelines of XXXmonths.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% % DTI below guideline requirement of XXX%.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV below guideline requirements of XXX% per program. |
| 409012529 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Sections C, E, & H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX PITI; $XXX or XXX required. |
| 409012532 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Disclosure does not reflect all the required Seller paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves XXX or XXX months<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX% |
| 409012535 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required seller-paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required. |
| 409012536 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required Seller paid fees. | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of XXX; total reserves required XXX. |
| 409012536 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance violation of XXX due to the added Appraisal Desk Review Fee on the Revised XXX LE. The COC does not provide a valid Reason/Explanation for this fee addition. Provide a valid COC for review, or provide borrowers with a XXX refund, Post CD reflecting a tolerance cure, LOE and proof of delivery that includes tracking information. | XXX Client provided a XXX PCCD with cure, LOE, XXX refund check and proof of shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of XXX; total reserves required XXX. |
| 409012538 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | Right of Rescission | Waived B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Per title commitment in file, loan originated with same lender. Incorrect ROR H-8 Form Used in Refinance with Original Creditor | 4/23/2025 Client provided an exception approval for using incorrect ROR form | 4/23/2025 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has XXX months of PITI available in reserves; XXX months required. |
| 409012538 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in the amount of $XXX as Credit Report fee increased on CD XXX without a COC in file. Condition pending receiving a Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 05/07/25 Client provided a XXX PCCD with cure, LOE, $XXX refund check and Tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has XXX months of PITI available in reserves; XXX months required. |
| 409012544 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX |
| 409012545 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3952 | TRID - CD: The CD Projected Payments section and the CD Loan Disclosures section are not consistent in regards to whether or not an escrow account will be established | No | Final CD XXX reflects "some" property taxes are escrowed in the Projected Payments/Estimated Taxes Section. The Loan Disclosure Section does not reflect any escrowed taxes. | XXX Client provided an LOE & corrected XXX Post CD. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of XXX as XXX months PITIA Guidelines require XXX months PITI for subject \* reo is granted to ex per divorce decree and ex is responsible for costs on it |
| 409012545 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5511 | TRID - CD: Monthly Non-Escrowed Amount in Projected Payments is inconsistent with annual cost in the Loan Disclosures section (SFIG 3.0) | No | Final CD XXX reflects "some" property taxes are escrowed in the Projected Payments/Estimated Taxes Section. The Loan Disclosure Section does not reflect any escrowed taxes. | XXX Client provided an LOE & corrected XXX Post CD. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of XXX as XXX months PITIA Guidelines require XXX months PITI for subject \* reo is granted to ex per divorce decree and ex is responsible for costs on it |
| 409012546 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has Good credit history with X Late Payments > XXX Months<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Borrower Has Good Mortgage payment history with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX |
| 409012560 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX % DTI; XXX % max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required $XXX |
| 409012564 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing final/signed 1003 identifying all properties; hazard/insurance verification of (X) properties; and DTI exception for XXX%. | 5/20 Client provided the corrected 1003 | Satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with XXX Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Significant time in profession, XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months PITIA. |
| 409012564 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Application | Satisfied D A | CRDAPP130 | Application is incomplete | No | Missing B1 & B2 Final signed 1003s identifying all investment properties' lienholders with PITIA amounts. | XXX Client provided the final 1003s | Satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with XXX Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Significant time in profession, XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months PITIA. |
| 409012564 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | DTI | Satisfied C A | CRDDTI187 | Debt Ratio > 60% | No | Missing exception for DTI > XXX%. | XXX Client provided the corrected 1003 supporting qualify REO PITIA and income DTI XXX due to higher DD income calc | Satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with XXX Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Significant time in profession, XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months PITIA. |
| 409012564 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing the following documentation: 1) Hazard Insurance for XXX XXX . 2) Property Taxes for XXX XXX , XXX. 3) Hazard Insurance for XXX XXX. | XXXClient provided Lender breakdown of PITIA used for all along withXXX XXX stating Maintenance Fee of $XXX is total for taxes/master insurance included in Co-Ops) along with Property management letter verifying the maintenance fee for XXX is currently $XXX per month along with statement supporting maintenance of $XXX and stated on LOX regarding XXX this is showing the borrower sold XXX and provided copy of property profile report verifying sold: XXX XXX as of XXX Condition remain (1). separate condition on file is pertaining to this condition which is missing the Final 1003 and upon receipt of Final 1003 this condition will be satisfied, if applicable regarding the XXX XXX which should be reflected on REO of 1003 XXX Client provided duplicate in file and previously provided, property report for XXX XXX in which do appear to have been sold as of XXX (even though reflected on initial 1003). This condition is being satisfied with documentation previously provided to support the initial condition, separate condition on file regarding DTI, due to missing Final 1003 | Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with XXX Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Significant time in profession, XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months PITIA. |
| 409012565 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | Right of Rescission | Waived B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Per title commitment in file, loan originated with same lender. Incorrect ROR H-8 Form Used in Refinance with Original Creditor | 4/30/2025 Client provided an exception approval for using incorrect ROR form | 4/30/2025 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX = $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%. |
| 409012566 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX= $XXX reserves required. |
| 409012567 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required seller-paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has $XXX available in reserves; $XXX in reserves required. |
| 409012567 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $XXX due to added Appraisal Rush fee on LE XXX with no valid reasons documented on COC XXX. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 04/24/2025 Client provided a COC dated XXX signed by the Borrower XXX and reflecting the Appraisal rush fee added as well as Discount change due to DTI. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has $XXX available in reserves; $XXX in reserves required. |
| 409012567 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Property Valuations | Property | Satisfied D A | PRVAPROP111 | Legal Nonconforming w/out Rebuild Letter | No | Appraiser does not indicate if the property can be rebuilt as-is if destroyed. | 4.25.2025 Client provided updated appraisal with appraiser commenting on legal non-conforming zoning, subject can be rebuilt if destroyed. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has $XXX available in reserves; $XXX in reserves required. |
| 409012568 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fee that should be disclosed in Section C is not disclosed on Final CD XXX ; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying cred score XXX |
| 409012570 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Sections C & H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX%% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. |
| 409012574 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; xxx's status determination places loan in a riskier status than the Lender's status determination. | No | File is missing the Note; | XXX Client provided the NOTE | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX years at current<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments:  |
| 409012574 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Documentation | Satisfied D A | CMPDOC195 | Missing Note | No | Provide a copy of executed Note. | XXX Client provided the Note. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX years at current<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments:  |
| 409012574 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Sections E & H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX years at current<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments:  |
| 409012574 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 | Condition pending receipt of missing Note and further testing. Additional conditions may apply. | XXX Client provided the Note. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX years at current<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments:  |
| 409012575 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XX<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of XXX as XXX months PITIA Guidelines require XXX months for subject+ XXX Months for Additional REO , met |
| 409012579 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX, we are satisfying to 1/A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Borrower Has Good Mortgage payment history with X Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of Cash Reserves$XXX as XXX months PITIA Guidelines require 6 months or $ XXX X XXX = $ XXX+ 3 Months for Additional REO or $ XXX X XXX = $ XXX |
| 409012579 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3966 | TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected | No | Final CD XXX, section Escrow Account on page 4 - neither of You declined it and/or Your lender does not offer one are selected. Pending receiving corrected PCD with LOE to borrower. | 04/28/2025 Client provided PCCD XXX with correction and LOE. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Borrower Has Good Mortgage payment history with X Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of Cash Reserves$XXX as XXX months PITIA Guidelines require 6 months or $ XXX X XXX = $ XXX+ 3 Months for Additional REO or $ XXX X XXX = $ XXX |
| 409012581 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX XXX we are satisfying to 1/A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Required Reserves: $XXX. Verified $XXXSubject: $XXX = $XXXXXX $XXX = $XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years |
| 409012581 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR175 | Missing Review Appraisal required per guidelines | No | Seller (not a bank) purchased subject XXX for $XXX. Contract signed XXX with a sales price of $XXX Per guidelines a 2nd full appraisal is required. | XXX Client provided a XXX supporting the appraised value with a value of XXX | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Required Reserves: $XXX. Verified $XXXSubject: $XXX = $XXXXXX $XXX = $XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years |
| 409012582 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX, we are satisfying to 1/A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment XXXyears<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX% within XXX% of DU<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $XXX or XXX months<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score below guidelines XXX |
| 409012583 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Disclosure does not reflect all the required Seller paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX with current business since XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV ; maximum allowable LTV is XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX. |
| 409012583 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Credit/Mtg History | Satisfied B A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | File is missing verification of mortgage payment history for properties located XXX XXX, XXX, XXX, XXX XXX (blanket mortgage) and XXX & XXX XXX verifying 0X30, in the last XXX months. | 5/1 Client provided Mortgage pmt histories, and Notes showing 1st payment due dates | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX with current business since XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV ; maximum allowable LTV is XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX. |
| 409012583 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | File is missing documentation for the following additional properties owned:1) XXX; missing verification of tax & insurance amounts and proof property is owned free & clear. XXX Schedule E shows mortgage interest deducted. Insurance dec page provided in the file does not show the premium amount. Used lender tax/insurance amount of $XXX from final 1003 for recalculations.2) XXX ; missing verification of tax & insurance amounts. Insurance dec page provided in the file does not show the premium amount. Used lender tax/insurance amount of $XXX from final 1003 for recalculations.3) XXX; missing verification of tax & insurance amounts. Insurance dec page provided in the file does not show the premium amount. Used lender tax/insurance amount of $XXX from final 1003 for recalculations.4) XXX; properties are covered by a blanket mortgage. Missing verification of insurance amounts for all X properties. Insurance dec page provided in the file does not show the premium amount. Tax bill/property reports provided in the file verified total monthly taxes of XXX for all X properties. Used lender total tax/insurance amounts for all X properties of $XXX from final 1003 for recalculations.5) XXX Additions; missing verification there are no tax or insurance expenses. 12 month average of XXX Schedule E loss was used to qualify. Taxes and insurance were not included.6) XXX; missing verification of insurance amount. Insurance dec page provided in the file does not show the premium amount. Property report provided in the file verified monthly tax amount of $XXX . Used lender tax/insurance amount of $XXX from final 1003 for recalculations.7) XXX; missing verification of insurance amount. Insurance dec page provided in the file does not show the premium amount. Property reports provided in the file verified monthly tax amount of $XXX. Used lender tax/insurance amount of $XXX from final 1003 for recalculations.8) XXX; missing verification there are no tax/insurance expenses for the property. Final 1003 shows as owned free & clear. No tax/insurance expenses were used to qualify.9) XXX; missing verification there are no tax/insurance expenses for the property. Final 1003 shows as owned free & clear. No tax/insurance expenses were used to qualify. | Client provided the following1. Client provided insurance premium and taxes; Condition remains for proof free and Clear Ins dec page also shows a Mtg interest to XXXX Bank2. Nothing found condition remains3. Client provided taxes and Ins - satisfied 4. Client provided taxes and Ins - satisfied 5. Nothing found condition remains6. Nothing found condition remains7. Client provided taxes and Ins - Satisfied 8. Client provided taxes and Ins - Satisfied 9. No upload found condition remains 5.9.2025 Client provided Lender LOX addressing #2, 5 and #6 stating this was all on the prior documentation provided. Response, Agree. Condition remains for #1 and #9 Regarding: XXX (#1) and XXX. (#9), from initial condition, still to be addressed. 5/14 Client provided a property report with taxes of $XXX for XXX, missing evidence of insurance and Provide a corrected 1003 adding the monthly taxes $XXX plus any insurance; also still missing for XXX; verification of tax & insurance amounts and proof property is owned free & clear. 5/19 Client provided evidence of taxes and insurance and 1003 | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX with current business since XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV ; maximum allowable LTV is XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX. |
| 409012583 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | File is missing the Fannie Mae 1084, or Freddie Mac Form 91 or equivalentXXXt analysis for both businesses where income was used to qualify. | 4/29 Client provided the income WS supporting calculations | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX with current business since XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV ; maximum allowable LTV is XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX. |
| 409012594 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Seller CD reflects additional closing costs that were not disclosed on the Final CD. | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. XXX mortgage payment history; 0x30x24 required. |
| 409012594 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Income/Employment | Waived D B | CRDINC2408 | Income verification does not meet guidelines | No | Missing tax transcripts to validate note receivable income as required by guides; Note for sale of business interest is dated XXX with first payment date XXX and XXX W2s provided. | 4.28.2025 Client provided copy of XXX 1040 Tax Transcripts however file do not contain copy of tax returns and provided XXX no record. Condition remains for copy of XXX 1040 Tax returns to go along with 1040 XXX Transcripts, in addition if found Note income is not reflected on XXX 1040's than will need XXX 1040 Tax returns and XXX 1040 Transcripts. 4/28 Client provided an approved exception to allow the file without transcripts or taxes supporting the Note receivable; file has bank statements with payments | Upon review by xxx xxx xxx, Condition is a Non Material B grade; Low DTI, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. XXX mortgage payment history; 0x30x24 required. |
| 409012595 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing final settlement statement of final CD for refinance of property XXX with net proceeds of $XXX and payment of $XXX per 1003 and credit supplement in file | 4.30.2025 Client provided executed Final CD for refinance of property: XXX supporting monthly payment of $XXX and credit supplement in file reflect this new mortgage debt and payment, per CD borrower received net proceeds of $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current primary employment XXX years |
| 409012596 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX XXX , we are satisfying to 1/A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. XXX mortgage payment history; 0x30x24 required. |
| 409012596 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3970 | TRID - CD: The Partial Payments section of the Loan Disclosures section has all three options selected, no options selected, or an improper combination of selections. | No | Final CD XXX and Funding CD XXX, section Loan Disclosure Partial Payments - improper combination of selections as "may accept" and "does not accept" are checked. Condition is pending receiving corrected PCD with LOE to borrower. | XXX Client provided a COC and corrected XXX PCCD. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. XXX mortgage payment history; 0x30x24 required. |
| 409012597 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXXrequired.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed. |
| 409012599 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is X% below the maximum allowable LTV of XXX%.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX with current business since XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has XXX months of PITI available in reserves; XXX months required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. |
| 409012602 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Regarding Rental income: Transaction appears to be Schedule E reflect XXX XXX (pg. XXX) which was/is a rental property, however the actual address is XXX XXX XXX and borrower prior housing was at XXX XXX with executed Lease Agreement in file (pg. XXX) before purchasing subject property of XXX XXX XXX. DTI have been updated to consider Schedule E rental income forXXX XXX and using executed lease agreement for XXX XXX (which was borrower previous housing). File is missing evidence of lease being in effect with: Two months of consecutive bank statements or electronic transfers showing rental payments being made and received. Note: Per DU Lease agreement is acceptable if borrower can document a qualifying exception. | XXX Client provided evidence of XXX (on Lease) making monthly rent payment of $XXX for XXX XXX to our borrower (Landlord) for address: XXX XXX in which was borrower departure home and executed Lease in file taken place as of XXX XXX- XXX XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with XXX Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers' reserves XXX months PITI. |
| 409012605 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required. |
| 409012607 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required seller-paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX + REO $XXX \* XXX = $XXX reserves required.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been in their respective professions for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. XXX mortgage payment history; 0x30x24 required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%. |
| 409012610 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Sections C & H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1749: Additional documented income not used in qualifying<br> - xxx Comments: Additional documented income (Bonus) not used in qualifying<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX |
| 409012610 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Missing relocation agreement | XXX Client provided the executed relocation agreement | Satisfied | (No Data) | Not Applicable | CFCFS1749: Additional documented income not used in qualifying<br> - xxx Comments: Additional documented income XXX not used in qualifying<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX |
| 409012610 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Terms/Guidelines | Satisfied D A | CRDTER2548 | Missing AUS or AUS errors present | No | Missing AUS | XXX Client provided LOX requesting re-review to XXX XXX vs AUS. Missing copy of lock confirmation XXX Client provided copy of lock confirmation as XXX XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1749: Additional documented income not used in qualifying<br> - xxx Comments: Additional documented income XXX not used in qualifying<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX |
| 409012613 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | RESPA | Satisfied B A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Missing Affiliate Business Disclosure | XXX Client provided a signed LOE from Lender stating they have no affiliates for this transaction. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has $XXX available in reserves; $XXX in reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. |
| 409012613 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has $XXX available in reserves; $XXX in reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. |
| 409012613 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | 1) File contains a Payment Reminder Notice verifying premium amount for hazard insurance policy but does not indicate the property insured. File is missing the declarations page verifying this applies to the departure residence.2) File contains a transaction history verifying HOA dues for the departure residence. File is missing additional documentation verifying this assessment amount is quarterly. | XXX Client provided HOI policy for departure home: XXX XXX XXX supporting $XXX monthly, still missing evidence of monthly HOA dues for departure residence: XXX. Condition remains XXX Client provided HOA dues $XXX annual | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has $XXX available in reserves; $XXX in reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. |
| 409012614 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX |
| 409012674 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID5107 | TRID - Seller CD not in file; need in order to complete fee entry | No | Missing Seller CD | 04/23/2025 Client provided missing Seller CD. | Condition Satisfied. | Not Applicable | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower's have been in their respective professions for XXX and XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. XXX mortgage payment history; 0x30x24 required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX + REOs $XXX \* XXX = $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%. |
| 409012695 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD. | (No Data) | Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months of PITI available in reserves; XXX months reserves. |
| 409012699 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Required Reserves: XXX. Verified XXXSubject: XXX = XXXXXX. XXX = XXX<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrower has XXX months of 0x30 on current mortgage |
| 409012709 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with XXX Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%. |
| 409012711 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Credit | Income/Employment | Satisfied B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Provide updated VOES for the following self employed business; docs in file for each do not meet requirements.1. XXX2. XXX3. XXXMay be subject to additional conditions upon review. Guidelines:" ? Verification of the existence of borrowers self-employment must be verified through a third-party source and no more than thirty (30) calendar days prior to the Note date Third party verification can be from a xxx, regulatory agency or applicable licensing bureau. A borrowers website is not acceptable third-party source Listing and address of the borrowers business Name and title of person completing the verification and date of verification" | 4.30.2025 Client provided xxx dated XXX for all requested businesses | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score |
| 409012714 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied C A | CRDINC150 | Income docs do not meet guidelines | No | Missing borrower's dated signature on XXX and XXX 1120-S business returns. | XXX Client provided post close dated signed/dated 1st page of 1120S XXX/XXX and signed dated XXX/XXX 1040 and file have 1040 Transcripts | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has been at the same residence for XXX years.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: XXX reserves; using qual rate XXX = XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX. |
| 409012714 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Missing lender's s/e income calculation on form 1084 (or equivalent) required for self-employment analysis; liquidity calculation provided. | XXX Client provided the income WS | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has been at the same residence for XXX years.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: XXX reserves; using qual rate XXX = XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX. |
| 409012714 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Legal Documents | Satisfied D A | CRDLGL2422 | Missing Purchase Contract | No | The file does not contain a copy of the Sales Contract. | XXX Client provided executed subject Contract Agreement with Sales Price of $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has been at the same residence for XXX years.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: XXX reserves; using qual rate XXX = XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX. |
| 409012715 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 | Unable to test a loan product due to missing initial CD in file. | 05/06/25 Client provided the missing XXX Initial CD, COC and Tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has been at the same residence for XXX years.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: XXX reserves; using qual rate XXX = XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX. |
| 409012715 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | CD XXX is the only CD in file. Missing initial , and if applicable any revised, CD acknowledged by borrowers min 3 days prior to closing date. | 05/06/25 Client provided the missing XXX Initial CD, COC and Tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has been at the same residence for XXX years.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: XXX reserves; using qual rate XXX = XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX. |
| 409012715 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance of $XXX for added the Appraisal Desk Review $XXX and the Appraisal Re-Inspection fee $XXX on final CD XXX with no COC in file to support it. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 05/06/25 Client provided a missing XXX COC, XXX Revised LE and Tracking. Re-testing results in no violation. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has been at the same residence for XXX years.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: XXX reserves; using qual rate XXX = XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX. |
| 409012715 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Insurance | Satisfied B A | CRDINSR848 | Missing Hazard Insurance | No | File is missing a copy of the current hazard insurance policy verifying sufficient dwelling coverage and premium amount. Used lender monthly premium amount for recalculations. | 5/6 Client provided the insurance binder | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has been at the same residence for XXX years.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: XXX reserves; using qual rate XXX = XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX. |
| 409012715 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Insurance | Satisfied C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Verified coverage is $XXX and required is $XXX ; provide additional coverage or the Insurance Company RCE showing sufficient coverage exists | 5/7 Client provided the insurance Dec page section that states " the fair plan does not provide RCEs but the Dwelling coverage provided is based on the replacement cost of the house. | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has been at the same residence for XXX years.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: XXX reserves; using qual rate XXX = XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX. |
| 409012716 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers settlement statement. Consistent with the XXX we are satisfying to 1/A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX |
| 409012716 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 | Unable to test a loan product due to missing initial CD in file. Comp-Ease shows there was a initial CD sent on XXX. CD missing in file. Completed CD required for further testing, additional conditions may apply. | XXX Client provided the missing XXX CD package. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX |
| 409012716 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing initial CD in file. Comp-Ease shows there was a initial CD sent on XXX CD missing in file. Completed CD acknowledged by borrower min XXX days prior to closing date is required for further testing, additional conditions may apply. | XXX Client provided the missing XXX CD package. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX |
| 409012718 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Required Reserves: $XXX Verified $XXXSubject: $XXX x XXX = $XXXXXX: XXX x XXX = $XXX<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with the same employer for over XXX years |
| 409012718 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing XXX stock price | XXX Client provided the XXX stock price | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Required Reserves: $XXX Verified $XXXSubject: $XXX x XXX = $XXXXXX: XXX x XXX = $XXX<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with the same employer for over XXX years |
| 409012722 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Per XXX tracking in file, initial LE XXX was issued and emailed to borrower. Also, a tracking indicates a revised LE XXX was issued. Both disclosures are missing in file. | 04/30/25 Client provided the missing XXX and XXX LE packages. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI |
| 409012722 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX we are satisfying to 1/A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI |
| 409012722 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Income/Employment | Satisfied B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Docs in file do not meet below for Schedule C. Provide below for Schedule C employment, may be subject to additional conditions upon review. Verification of the existence of borrowers self-employment must be verified through a third-party source and no more than 120 calendar days prior to the Note date Third party verification can be from a xxx, regulatory agency or applicable licensing bureau. A borrowers website is not acceptable third-party source Listing and address of the borrowers business Name and title of person completing the verification and date of verification. | 4/28 Client provided cash flow analysis and income worksheet, still missing 3rd party VOE for self employment within 120 days prior to note date4/30/2025 client provided VVOE for XXX dated XXX | Condition satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI |
| 409012722 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Provide below for Schedule C:The Fannie Mae 1084, or Freddie Mac Form 91 or equivalent is required for XXX analysis. The most recent Form 1084 or Form 91 should be used based on application date. Instructions per Form 1084 or Form 91 must be followed. | 5.5.2025 Client provided copy of Cash Flow Income Analysis for Schedule C XXX income used for qualifying | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI |
| 409012722 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Insurance | Satisfied C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Loan amount: XXXHOI coverage insufficient: Dwelling XXX + Private Structures XXX= XXXProvide updated policy reflect sufficient coverage. May be subject to additional conditions upon review. | 4/30/2025 client provided letter showing HOI policy is GRC. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI |
| 409012722 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Terms/Guidelines | Waived C B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Application date: XXXNote Date: XXXUNDISCLOSED DEBT NOTIFICATIONS REPORT for both B1 and B2 reflect xxx is frozen on XXXProvide documentation supporting TU is unfrozen for both Borrowers. May be subject to additional conditions upon review. | 4/30/2025 client provided an approved exception for UDN report being frozen. | Upon further review by xxx xxx exception is deemed non-material. File contains credit report with unfrozen scores with middle scores in the low XXXs. Final grade B. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI |
| 409012724 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX%<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX% |
| 409012724 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Assets | Satisfied C A | CRDAST205 | Insufficient Funds to Close | No | Missing evidence of EMD in the amount of XXX, no bank statements in file, must met FTH XX% of own funds | XXX Client provided Verification of Asset, Asset Summary of all assets datedXXX for Chase #XXX and #XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX%<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX% |
| 409012724 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Assets | Satisfied C A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | missing XXX months reserves required, no bank statements in file | XXX Client provided Verification of Asset, Asset Summary of all assets dated XXX for XXX#XXX and #XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX%<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX% |
| 409012724 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Assets | Satisfied D A | CRDAST2304 | Unverified Assets | No | Missing verified funds to close in the amount of XXX, no bank statement in file, must meet FTH XXX% own funds | XXX Client provided Verification of Asset, Asset Summary of all assets dated XXX for XXX #XXX and #XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX%<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX% |
| 409012726 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; XXX% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required. |
| 409012727 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers statement document. Consistent with the XXX we are satisfying to 1/A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX\*XXX= $XXX reserves required. |
| 409012728 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor (APOR) D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. | 05/21/25 Client provided the Initial CD for the Non-Borrower with evidence of delivery on XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months paid XXX; XXX months required. |
| 409012731 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Disclosure does not reflect all the required Seller paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been in their respective professions for XXX and XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX + REO $XXX \* XXXX = $XXXreserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. XXX mortgage payment history; 0x30x24 required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%. |
| 409012736 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Disclosure does not reflect all the required Seller paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower XX has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines requireXXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX |
| 409012739 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession |
| 409012740 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX= $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%. |
| 409012741 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been in their respective professions for XXX and XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXXreserves; $XXX \* XXX = $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX. |
| 409012745 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD. | (No Data) | Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. |
| 409012750 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Credit | Credit/Mtg History | Satisfied B A | CRDCRMH118 | Mortgage/rental lates exceed guidelines | No | XXX approved exception in file for XXX mortgage history which exceeds the XXX requirement. | 4/22 Client provided an approved exception to allow the file with a XXX mortgage history | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed. |
| 409012755 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX we are satisfying to 1/A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Required Reserves $XXX. Verified $XXXSubject: $XXX x XXX = $XXXXXX: $XXX x XXX = $XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI |
| 409012755 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Appraisal Review fee for $XXX added on LE XXX without a valid change of circumstance in file. COC date XXX doesn't documented the reason why fee was added. Zero tolerance cure required for $XXX. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 05/05/25 Client provided a duplicate copy of the XXX COC and LE package. Condition remains. The COC does not reflect a valid Reason/Explanation for what change occurred that prompted the addition of the Appraisal Review Fee.05/07/25 Client provided an LOE from the Lender with screen shots showing the xxx was required after the XXX UCDP CU Score was received. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Required Reserves $XXX. Verified $XXXSubject: $XXX x XXX = $XXXXXX: $XXX x XXX = $XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI |
| 409012756 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. |
| 409012763 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Per XXX eSign Process Summary XXX Revised LE (along with COC) are missing. | 05/16/25 Client provided the missing XXX COC and XXX LE package. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years,<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. XXX mortgage payment history; 0x30x24 required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%. |
| 409012763 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years,<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. XXX mortgage payment history; 0x30x24 required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%. |
| 409012763 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance Fee of $XXXAppraisal Desk Review fee of $XXX added on Initial CD XXX without a COC Lender Credit NOT indicated on Final CD XXX; Condition pending receipt of missing COC & Revised LE. | 05/16/25 Client provided the missing XXX COC and XXX LE package validating the added desk review fee. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years,<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. XXX mortgage payment history; 0x30x24 required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%. |
| 409012767 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | LE and CD e-signed by both borrowers; however, there is no prior e-sign consent in file; by regulation, e-signed disclosures must be treated as not delivered. Provide e-Consent for all borrowers. | XXX Client provided the E-Consents. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: ASSETS Post-Closing Reserves of $XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX+XXX Months for Additional REO or $ XXX X XXX = $ XXX |
| 409012768 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied D A | CRDINC152 | Missing verbal VOE required by guidelines | No | Missing verification of borrower's self-employment through a third-party source no more than XXX calendar days prior to the Note date. | 5/6 Client provided a XXX third party VOE | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% below guideline requirements of XXX% per program.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with XXX Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%. |
| 409012771 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: XXX for XXX months |
| 409012773 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | AUS program guidelines show asset depletion calculation is based off of seller guide and AUS findings. File does not contain an AUS, unable to determine the correct calculation to be used. Worksheet in file indicates the asset depletion was calculated using $XXX at XXX% interest for XXX months. This is the asset depletion calculation used for the XXX XXX program. | 4.23.2025 Client provided updated lock confirmation, Program locked as XXX XXX YR | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; XXX% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required. |
| 409012773 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; XXX% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required. |
| 409012773 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | AUS program guidelines show asset depletion calculation is based off of seller guide and AUS findings. File does not contain an AUS, unable to determine the correct calculation to be used. Worksheet in file indicates the asset depletion was calculated using $XXX at XXX% interest for XXX months. This is the asset depletion calculation used for the XXX XXX program. | 4.23.2025 Client provided updated lock confirmation, Program locked as XXX 30 YR | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; XXX% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required. |
| 409012773 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Terms/Guidelines | Satisfied D A | CRDTER2548 | Missing AUS or AUS errors present | No | File does not contain an AUS. XXX AUS 30 YR program. 1008 indicates file was manually underwritten. | 4.23.2025 Client provided updated lock confirmation, Program locked as XXX 30 YR | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; XXX% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required. |
| 409012775 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD. | (No Data) | Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required. |
| 409012779 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Credit | Insurance | Satisfied B A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Missing RCE | 5.13.2025 Client provided Insurance Agency email stating per FXXX Statue we cannot insured to loan amount and we are not allowed to share the replacement cost estimate. Response, in addition file have two separate hazard policies (pg. 28, 630) | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX% |
| 409012780 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required Seller-paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX % DTI; XXX % max allowed. |
| 409012780 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Credit | Income/Employment | Satisfied B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | VOE in file for B1 shows borrower is inactive. | XXXClient provided VVOE showing active per school term and returning | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX % DTI; XXX % max allowed. |
| 409012790 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Determine status upon review / receipt of missing / updated VOE, XXX 1040s and debts | 5/5 Client provided the XXX 1040s; still need updated VOE 5/15 Client provided the VVOE | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX % LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score |
| 409012790 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | 1. REO XXX REO on XXX 1040 Schedule E and on xxx's Fraud/Drive report - not disclosed on 1003. Provide sufficient documentation supporting exclusion from DTI calc. 2. Provide sufficient documentation supporting exclusion of $XXX XXX mortgage payment from DTI.May be subject to additional conditions upon review | 5/8 Client provided evidence of sale of XXX; Client provided Email that XXX $XXX was included in ratios, DTI recalculated to XXX | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX % LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score |
| 409012790 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Voe for B1 XXX is in file, meeting guidelines. Provide missing VOE, meeting guidelines, for B1 XXX K1 , XXX%.May be subject to additional conditions upon review. | 5/8 Client provided a third party XXX VOE for B1 XXX K1; Condition remains for a VVOE meeting GLs for a borrower with XXX% ownership5/12 Client provided the same XXX VOE; condition remains 5/15 Client provided a post close dated VVOE XXX | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX % LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score |
| 409012790 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Provide full XXX 1040, all pages. At minimum Schedule REO statements XXX are missing. Subject to rental income calc and may be subject to additional conditions upon review. | 5/5 Client provided complete taxes | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX % LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score |
| 409012790 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Terms/Guidelines | Satisfied C A | CRDTER4631 | Loan parameters do not meet guidelines | No | Lender qualified loan with:B2 Bonus: XXX / XXX months = XXXVs B2 Bonus increasing: XXX + XXX / XXX months (based on XXX hire date) = XXX monthly | 5/8 Client provided revised 1003/1008 using $XXX bonus | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX % LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score |
| 409012793 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Sections C, E, & H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX years in profession. |
| 409012796 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Sections C & H are not disclosed on Final CD XXX Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required. |
| 409012812 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrowers are very conservative credit users; minimal outstanding debt. |
| 409012826 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been with current employer since XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required. |
| 409012833 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | Right of Rescission | Satisfied B A | CMPROR117 | ROR - Expxxxtion date on form prior to end of rescission period | No | Per Mortgage Notary Status, closing date took place on XXX. Expxxxtion of statutory rescission period is XXX. Per final CD XXX, Disbursement date is XXX. | XXXClient provided the following Seller response: The disbursement date is correct. The borrowers signed on XXX. XXX XXX would be XXX and the loan would disburse on XXX. It is allowable to count Saturdays within the rescission period. Condition remains. Due to the DOT Notary acknowledgment of XXX, the Date of Transaction is considered XXX, not XXX. This pushed the required ROR Expxxxtion Date to XXX. If Notary Date is correct, then each title holder is due a new ROR, LOE, proof of delivery and reopen rescission with dates allowing for method of delivery.XXX Client provided the recorded DOT with the corrected Notary Date of XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Fico score XXX exceeds guide lines.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has stable employment with XXX years at current job. |
| 409012833 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | Right of Rescission | Satisfied C A | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | Per Mortgage Notary Status, closing date took place on XXX. Expxxxtion of statutory rescission period is XXX. Per final CD XXX, Disbursement date is XXX | XXXClient provided the following Seller response: The disbursement date is correct. The borrowers signed on XXX. XXX would be XXX and the loan would disburse on XXX. It is allowable to count Saturdays within the rescission period. Condition remains. Due to the DOT Notary acknowledgment of XXX, the Date of Transaction is considered XXX not XXX This pushed the required ROR Expxxxtion Date to XXX. Loan disbursed same day XXX. If Notary Date is correct, then each title holder is due a new ROR, LOE, proof of delivery and reopen rescission with dates allowing for method of delivery.XXXClient provided the recorded DOT with the corrected Notary Date of XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Fico score XXX exceeds guide lines.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has stable employment with XXX years at current job. |
| 409012833 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3966 | TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected | No | CD XXX, section Escrow Account on page 4 - neither box is checked for will not have an escrow account, You declined it and/or Your lender does not offer one are selected. Condition is pending receiving corrected PCD with LOE to borrower. | XXX Client provided a corrected XXX PCCD. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Fico score XXX exceeds guide lines.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has stable employment with XXX years at current job. |
| 409012839 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX % LTV; XXX% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed. |
| 409012841 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the SFA Trid Grid, we are satisfying to 1/A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX with current business since XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has XXX months of PITI available in reserves; XXX months required. |
| 409012841 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Credit/Mtg History | Satisfied B A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | File is missing a VOR reflecting 0X30 rent payments in the last XXX(XXX) months. If the landlord is a party to the transaction or relative of the borrower, cancelled checks or bank statements to verify satisfactory rent history is required; otherwise, if not related or a party to the transaction a satisfactory VOR can be provided. | 4/28 Client provided a Lease for XXX with Bwr rental pmt history since 9/2024; per 1003 Bwr address was XXX for XXXX year XXXX months until Close; Provide a corrected 1003 with LOX for the address discrepancy and the complete 2 year address history and full XXX VOR5/2 Client provided a duplicate lease for XXX ; condition remains5.2.2025 Client provided duplicate, previously provided copy of current Lease agreement along with satisfaction payment rental history, Lease provided is for XXX (not XXX - XXX is the Landlord address per Lease) | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX with current business since XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has XXX months of PITI available in reserves; XXX months required. |
| 409012841 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied C A | CRDINC2488 | Verbal verification of employment missing | No | File is missing verification of the existence of borrowers self-employment verified through a third-party source and no more than 120 calendar days prior to the Note date. | 4/24 Client provided the VOE | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX with current business since XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has XXX months of PITI available in reserves; XXX months required. |
| 409012841 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied D A | CRDINC3258 | Missing Profit and Loss statement for one or more Self Employed borrowers | No | File is missing a XXX Profit & Loss statement for borrower's business. | 5/2 Client provided the P&L supporting the qualifying income | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX with current business since XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has XXX months of PITI available in reserves; XXX months required. |
| 409012841 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | File is missing the Fannie Mae 1084, or Freddie Mac Form 91 or equivalent for self-employment analysis. | 4/24 Client provided the income WS | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX with current business since XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has XXX months of PITI available in reserves; XXX months required. |
| 409012848 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX DTI with MAX XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: r |
| 409012855 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Income/Employment | Satisfied B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Provide VVOE for B1 dated within 10 business days prior to Note Date | 4.30.2025 Client provided VVOE dated XXX for B1 | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI |
| 409012855 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Provide documentation that B1 no longer owns XXX | 4/29 Client provided evidence the XXX is a parking spot associated with the condo REO | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI |
| 409012872 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Sections C & H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX\*XXX= $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX. |
| 409012877 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD. | (No Data) | Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX |
| 409012877 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Credit | Application | Satisfied B A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Missing unexpired visa's for both borrowers | 5/8 Client provided unexpired visas | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX |
| 409012877 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Credit | Income/Employment | Satisfied B A | CRDINC3204 | Income Documentation Missing | No | Transcripts are not legible | 5/8 Client provided legible 1040 transcripts | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX |
| 409012878 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of XXX or XXX months PITI; XXX or XXX months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required. |
| 409012900 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Determine status upon review / receipt of undisclosed REO status | Client provided evidence not owned and likely an address typo | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At job since XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: At job since XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirements |
| 409012900 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Compliance | Right of Rescission | Waived B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Per title commitment in file, loan originated with same lender. Incorrect ROR H-8 Form Used in Refinance with Original Creditor | 5/19/2025 Client provided an exception approval for using incorrect ROR form | 5/19/2025 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At job since XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: At job since XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirements |
| 409012900 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Credit | Insurance | Satisfied C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Dwelling + Other structures coverage = XXX.Loan amount is XXX.RCE is Lender LOE.Provide RCE printout / sufficient coverage. May be subject to additional conditions upon review. | 5/20 client provided the insurance co RCE with sufficient coverage | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At job since XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: At job since XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirements |
| 409012907 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | File is missing XXX/XXX IRS tax transcripts. | 5.2.2025 Client provided copy of XXX/XXX 1040 Transcripts | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been self-employed with current business since XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months of PITIA available in reserves; XXX months required. |
| 409012960 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Unable to validate DTI due to missing PITI verification for investment properties. | XXX client provided HOA dues for XXX XXX still missing XXXXXX Client provided LOX no HOA dues on XXX | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. |
| 409012960 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required Seller-paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. |
| 409012960 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing verification of taxes and insurance for property at XXX XXX and HOA for property at XXX | XXX Client provided HOA dues for XXX XXX still missing XXXXXX Client provided LOX that no HOA dues on XXX | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. |
| 409012961 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required Seller-paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been at the same job for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mortgage payment history; 0x30x24 required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: XXX reserves; $XXX= $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%. |
| 409012968 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Missing lender's income calculation using grant totals, figures and averages, required for sufficient analysis. | XXX Client provided calculation of RSU income along with other documentation supporting continuance of this income | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX+ REOs $XXX= $XXX reserves required. |
| 409012968 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Insurance | Satisfied C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Subject hazard insurance coverage is $XXX dwelling and $XXX other structures, which does not meet the $XXX required. | (No Data) | File contains master insurance. Condition satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX+ REOs $XXX= $XXX reserves required. |
| 409012972 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Credit | DTI | Satisfied B A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing Credit Supplement or Mortgage Statement for XXX Lending, new lender for primary residence XXX XXX XXX, XXX XXX The amount of $XXX on final 1003 was included in DTI. | XXX Client provided the Note and pmt coupon supporting $XXX PI Pmt; Provide supporting docs for taxes insurance and any HOA dues on XXX XXX XXXXXX Client provided taxes and insurance provide confirmation no HOA diesXXX Client provided evidence no HOA | Satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with XXX Mortgage payment history exceeds guidelines of XXXmonths.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% LTV below guideline requirements of XXX % per program. |
| 409012973 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Income/Employment | Satisfied C A | CRDINC2488 | Verbal verification of employment missing | No | Provide a third party VVOE for each business | 5.7.2025 Client provided both xxx XXX dated XXX and XXX dated XXX within XXX days of Note date (XXX AUS) | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX score exceeds XXX min<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX LTV is below the Program MAX XXX%<br>CFCFS2854: Significant time in profession<br> - xxx Comments: The Borrowers have XXX and XXX each in the business |
| 409012973 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Provide a XXX or similar income WS for each business an each Borrower ; Income is not yet finalized | 5.8.2025 Client provided Lender LOX stating reason for omitting income with UW Convenience due to Final k1. Response, per initial condition missing XXX or similar income worksheet for each business and each Borrower. Condition remains for these worksheets for each business and each borrower. Upon receipt and review, income to be finalized per initial condition. 5/12 Client provided an LOX that "income WS was uploaded please have them indicate which WS and which Borrowers income calculation is missing"; Response no income worksheets were located in file or uploaded; there are two businesses XXX, and XXX; each Borrower owns XXX%; Provide the 1084 income WS for both businesses used to qualify and separately for each Borrower as XXX% owner each 5/13 Client provided an income summary sheet showing XXX was not used for income and only XXX and XXX were used; ; On review provide a 1084 form supporting income calculation for B1 and B2 XXX% owner each of XXX $XXX income each Borrower and XXX $XXX per Borrower; DD income calculation is not final5/14 Client provided excel WS with working links to XXX forms; upon review income recalculated | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX score exceeds XXX min<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX LTV is below the Program MAX XXX%<br>CFCFS2854: Significant time in profession<br> - xxx Comments: The Borrowers have XXX and XXX each in the business |
| 409012975 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has Good credit history with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX |
| 409012983 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | RESPA | Satisfied B A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Required Affiliate Business Disclosure or FACTS missing in file. Provide missing disclosure. | XXX Client provided an LOE from Lender stating they only have one affiliate and this is XXX XXX XXX based in XXX. Property is located in XXX. No fees paid to XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has owned the subject property for XXX years XXX months.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has XXX months of PITIA available in reserves; XXX XXX required. |
| 409012983 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Income/Employment | Satisfied B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Provide third party printout for XXX XXX XXX dated no more than XXX calendar days prior to Note date. | XXX Client provided the third party VOE xxx bus look up dated XXX | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has owned the subject property for XXX years XXX months.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has XXX months of PITIA available in reserves; XXX XXX required. |
| 409012983 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Income/Employment | Satisfied D A | CRDINC3258 | Missing Profit and Loss statement for one or more Self Employed borrowers | No | Provide XXX and YTD P&L for The XXX Team | XXX Client provided the P&Ls | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has owned the subject property for XXX years XXX months.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has XXX months of PITIA available in reserves; XXX XXX required. |
| 409012987 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX = $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%. |
| 409012991 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 | Unable to test a loan product due to missing initial CD in file | 05/09/25 Client provided the missing XXX and XXX CD packages with Tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXXrequired. |
| 409012991 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | CD XXX is the only CD in file. Missing initial CD acknowledged by borrowers min XXX days prior to closing date. | 05/09/25 Client provided the missing XXX and XXX CD packages with Tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXXrequired. |
| 409012991 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | XXX Tolerance in amount of $XXX due to Discount Points increase on final CD XXX with no COC or Rate Lock with updated interest rate/ pricing in file. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 05/09/25 Client provided the missing Initial CD and Revised CD packages with COC to validate the Points. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXXrequired. |
| 409012991 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | XXX percent tolerance in amount of $XXX due to increased Title fees with no COC in file to support it. Borrower selected Title provider from SPL and all title fees including Recording fee are tested for XXX % violation. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 05/09/25 Client provided a duplicate copy of the XXX LE package (with XXX COC), with the missing XXX Initial CD package and Revised XXX CD package (with XXX COC). Re-testing still results in a Ten Percent tolerance violation of $XXX. The following Title fees increased over the allowed limit without valid reasons: Title - Document Preparation Fee (at Closing / No valid Reason on the COC), Title - Lender's Title Insurance and Title - Examination Fee (on the Initial CD without any COC in file). Borrower chose the Settlement Agent on the SPL, therefore all Title fees are tested in the same bucket (XXX%). Borrower is due a refund of $XXX , PCCD with tolerance cure, LOE and proof of delivery that includes tracking information.05/13/25 Client provided a XXX PCCD with cure credit, LOE, shipping label and check request form. Tracking confirms shipment. Condition remains for a copy of the $XXX refund check.05/14/25 Client provided the $XXX refund check. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXXrequired. |
| 409012991 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Property Valuations | Property | Waived C B | PRVAPROP2556 | Acreage exceeds property eligibility guidelines | No | XXX acres exceed the max of XX allowed | 4.30.2025 Client provided exception approval for subject acreage of XXX exceeding guidelines maximum of XXX | Upon review by xxx xxx, exception is deemed non-material. Exception approved, B Grade with compensating factors, fico score XXX and verified reserves of XXX months | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXXrequired. |
| 409013026 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID5107 | TRID - Seller CD not in file; need in order to complete fee entry | No | Seller-CD missing; Final CD XXX does not indicate any seller-paid fee; Condition pending receipt of missing Seller-CD. | XXX Client provided the Seller CD. | Condition Satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX % DTI; XXX % max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. |
| 409013030 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months of PITI available in reserves; XXX months required. |
| 409013051 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment X years |
| 409013057 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: XXX XXX in profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Assets verified for reserves $XXX or XXX months PITIA and required is XXX XXX |
| 409013059 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have XXX months of XXX on current mortgage<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX % DTI |
| 409013063 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Settlement Statement in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required. |
| 409013077 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Sections C, E, & H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% below guideline requirements of XXX % per program.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%. |
| 409013077 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing verification of XXX HELOC payment of $XXX for XXX. | 5.20.2025 Client provided copy of HUD-1 from HELOC with borrower netting $XXX from HELOC and evidence wired into XXX on XXX and provided copy of HELOC terms (these documents in loan file), however missing evidence of monthly payment calculation of $XXX used for qualifying 5.20.2025 Client provided LOX in Collaborate stating, Seller comment: "The payment calculation used is a simple interest calculation from the Home Equity Line of Credit Agreement = $XXX(Credit Limit) x XXX%(APR) = $XXX/XXX = $XXX" | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% below guideline requirements of XXX % per program.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%. |
| 409013081 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Provide missing third party verification for XXX 1120s, may be subject to additional conditions upon review. | XXX Client provided xxx dated XXX for business: XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)XXXCash ReservesXXXRequired:XXX home: XXX months PITI+XXX for lien free XXX residence<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score |
| 409013081 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied C A | CRDINC150 | Income docs do not meet guidelines | No | Longbow XXX P&L is not borrower signed / dated; please provide. | XXX Client provided LOX stating, Redwood doesn't require P&L to be signed or dated. Response, guidelines do say can be either xxx or borrower prepared however without signature unknown whom completed. Accepting | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)XXXCash ReservesXXXRequired:XXX home: XXX months PITI+XXX for lien free XXX residence<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score |
| 409013081 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Per guidelines, provide below for XXX 1065 and XXX 11120s. May be subject to additional conditions upon review. Copy of liquidity analysis must be included in the loan file if the income analysis includes income from boxes 1, 2 or 3 on the K-1 that is greater than distributions indicated on the K-1.? If a liquidity analysis is required and the borrower is using business funds for down payment or closing costs, the liquidity analysis must consider the reduction of those assets | XXX Client provided Liquidity worksheet for both businesses: XXX and XXX; passing | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)XXXCash ReservesXXXRequired:XXX home: XXX months PITI+XXX for lien free XXX residence<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score |
| 409013081 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Provide below for XXX 1065:The Fannie Mae 1084, or Freddie Mac Form 91 or equivalent is required for self-employment analysis. The most recent Form 1084 or Form 91 should be used based on application date. Instructions per Form 1084 or Form 91 must be followed | XXX Client provided Cash Flow Income Analysis for business: XXX 1065 | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)XXXCash ReservesXXXRequired:XXX home: XXX months PITI+XXX for lien free XXX residence<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score |
| 409013088 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX |
| 409013104 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Sections B, E, & H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX |
| 409013110 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Assets | Satisfied D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Provide Final HUD for sale of XXX | 5/16 Client provided the executed HUD | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV |
| 409013110 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Provide XXX Extension | 5.20.2025 Client provided copy of XXX extension and sufficient asset to cover balance due | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV |
| 409013110 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Terms/Guidelines | Waived B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing Self Employment Income Worksheet | 5/15/25 Client provided approved exception for missing self employment worksheet | Upon further review by xxx xxx exception is deemed non material due Low LTV of 60% and Low DTI of XXX% | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV |
| 409013132 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX total reserves required $XXX. |
| 409013136 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing current lease agreement for REO, along with evidence of either XXX. consecutive bank statements of rental payments or security deposit or first month's rent with proof of deposit for newly executed agreements, to verify rental income being used to qualify. If evidence can not be provided the full PITI of REO must be included in the DTI calculation. | XXX Client provided Lender LOX stating do not see in the guidelines where additional documentation is required, only Lease is required. Response, Lender provided copy of executed Lease for departure home however additional documentation is required for: evidence of either XXX. consecutive bank statement of rental payments or security deposit or first month's rent with proof of deposit for newly executed agreement, to verify lease is in effect. Note: Per DU A copy of the current lease agreement if the borrower can document a qualifying exception. The additional info is the qualifying exception. XXX Client provided an LOX that the Lease is not on the departure home (rental) but the prior owned residence leased since XXX Condition remains due to REO went into service as a rental in XXX and not on prior taxes. Provide evidence of either XXX. consecutive bank statement of rental payments or a 1007 supporting the rental income 5/21 Client provided a XXX payment history of rent | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX + REO $XXX= $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. |
| 409013136 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX + REO $XXX= $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. |
| 409013136 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Missing current lease agreement for REO, along with evidence of either XXX. consecutive bank statements of rental payments or security deposit or first month's rent with proof of deposit for newly executed agreements, to verify rental income being used to qualify. If evidence can not be provided the full PITI of REO must be included in the DTI calculation. | XXX Client provided Lender LOX stating do not see in the guidelines where additional documentation is required, only Lease is required. Response, Lender provided copy of executed Lease for departure home however additional documentation is required for: evidence of either XXX. consecutive bank statement of rental payments or security deposit or first month's rent with proof of deposit for newly executed agreement, to verify lease is in effect (which is the qualifying exception Note: Per DU A copy of the current lease agreement, if the borrower can document a qualifying exception. The additional info is the qualifying exception. XXX Client provided an LOX that the Lease is not on the departure home (rental) but the prior owned residence leased since XXX Condition remains due to REO went into service as a rental in XXX and not on prior taxes. Provide evidence of either XXX. consecutive bank statement of rental payments or a 1007 supporting the rental income XXX Client provided a XXX month payment history of rent | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX + REO $XXX= $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. |
| 409013167 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Terms/Guidelines | Satisfied D A | CRDTER2548 | Missing AUS or AUS errors present | No | Missing AUS as required by XXX XXX AUS XXX YR | XXX Client provided the AUS | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of XXX as XXX months PITIA Guidelines require XXX months or XXX = XXX+ XXX Months for Additional REO or XXX X XXX = XXX |
| 409013189 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has Good credit history with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: ASSETS Reserves sourced: Months PITI Reserves (Qual Rate)XXXCash Reserves XXXExceeds requirements for subject, REOs, and asset depletion with borrower < XXX years old |
| 409013203 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Credit | LTV/CLTV | Satisfied B A | CRDLTV107 | LTV Exception 5% or Less | No | DTI XXX% due to lesser qualifying income. Covius Calculation: PITIA $XXX + $XXX = $XXX / $XXX Income Total (B1 $XXX+ Bonus $XXX (XXX-month average) + $XXX= $XXX. B2 $XXX) = XXX% DTI. | 5/15 Client provided a new DU with 1008/1003 using XXX for XX to qualify DTI XXX | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV below guideline requirements of XXX% per program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves XXX months PITIA. |
| 409013206 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX score exceeds XXX Min<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX years XXX months at current job |
| 409013221 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX |
| 409013221 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Credit | Assets | Satisfied B A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Missing Cash flow Analysis for all business funds being used as reserves, Borrower is XXX% owner, XXX XXX and XXX XXX | 5/19 Client provided the cash flow analysis | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX |
| 409013221 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Credit | DTI | Satisfied B A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing mortgage statement for departing XXX to support PITI of $XXX | 5.15.2025 Client provided Mortgage statement verifying monthly PITIA of $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX |
| 409013221 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Credit | Income/Employment | Satisfied B A | CRDINC2488 | Verbal verification of employment missing | No | Missing 3rd party verification for B1 XXX and XXX prior to note date | 5.15.2025 Client provided xxx dated XXX for both businesses: XXX and XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX |
| 409013271 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX, we are satisfying to 1/A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: ASSETS Post-Closing Reserves of Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXGuidelines require XXX months or $ XXX X XXX = $ XXX |
| 409013271 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Credit | Income/Employment | Waived C B | CRDINC150 | Income docs do not meet guidelines | No | Lack of 2 Year Earnings History for XXX for amount used for qualification | 5/20/25 - Approved Client Exception in file not yet applied due to open conditions \*\* also does not have XXX in reserves as exception requires5.20.2025 Client provided exception approval for Borrower having Lack of XXXyear earnings history for Bonus for amount used for qualifying. | Upon further review by xxx xxx, exception is deemed non-material. Exception approved, B Grade with compensating factors, verified reserves of $XXX with XXX years in profession and DTI of XXX% (Max XXX%) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: ASSETS Post-Closing Reserves of Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXGuidelines require XXX months or $ XXX X XXX = $ XXX |
| 409013271 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Credit | Terms/Guidelines | Waived C B | CRDTER3122 | Loan documents do not meet guideline requirements | No | B1's spouse is the RE agent on the transaction. The spouse also gave a XXX gift. Per guides: 'Gifts from relatives that are interested parties to the transaction are not allowed, unless it is a gift of equity' | 5/20/25 SR UW comment - 1008 states : $XXX gift from spouse, per gift letter. Wife is buyer's XXX - XXX approved exception to use gift from interested party. Gift is coming from wife's REO sale occurring right before closing. However, Client Exception in file is not specified - only states 'General Waiver' \*\* also does not have XXX in reserves as exception requires5.20.2025 Client provided exception approval for non arms length transaction: Gift from relatives (B1 spouse) that are interested parties to the transaction are not allowed, unless it is a gift of equity. Spouse is the XXX on the transaction and spouse given gift of $XXX | Upon further review by xxx xxx, exception is deemed non-material. Exception approved, B Grade with compensating factors, verified reserves of $XXX with XXX years in profession and DTI of XXX% (Max XXX%) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: ASSETS Post-Closing Reserves of Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXGuidelines require XXX months or $ XXX X XXX = $ XXX |
| 409013272 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3646 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | XXX tolerance in amount of $XXX due to increased Survey fee in Section C with no COC in file. Survey provider is not listed on SPL, borrower was not allowed to shop for this fee therefore it's tested for XXX% violation along with Recording fee. Lender's credit of $XXX was applied towards increased Credit Report - $XXX and Recording fee - $XXX and remaining $XXX towards Survey fee. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | XXXClient provided an LOE to borrower and XXX PCCD correcting the placement of the Survey Fee to Section H. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: XXX for XXX XXX |
| 409013272 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Provide liquidity worksheet for 1120s.Subject to income recalc and may be subject to additional conditions upon review. | XXX Client provided Liquidity worksheet reflecting < XXX % liquidity calculation for 1120S business: XXX XXX XXX; condition remains liquidity no passing to allow use of higher line 1 of k1. XXX Client asked for a review; upon review of income XXX XXX is less than XXX% and Ordinary income from line 1 can not be used; However, reviewing the qualifying income from XXX XXX XXX the lower distributions were used to qualify which is correct due to less than XXX % liquidity XXX XXX avg distributions = W2 = $XXX | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: XXX for XXX XXX |
| 409013272 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | XXX CBR supplement:1. Experian file is frozen by consumerX. XXX - security freeze. Provide updated CBR with both of above unfrozen. May be subject to additional conditions upon review. | XXX Client provided duplicate Credit report XXX (Ordered) and Complete date XXX (in file pg. 530). Condition remains, reports listed in initial condition is dated after initial credit report that was provided. XXX Client provided tri merge in file report dated XXX with all 3 reporting, not showing any as being frozen | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: XXX for XXX XXX |
| 409013297 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Determine status upon review / receipt of missing income and employment docs | XXX Client provided income and employment docs | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: XXX for XXX XXX |
| 409013297 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD. | (No Data) | Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: XXX for XXX XXX |
| 409013297 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Credit | Income/Employment | Satisfied C A | CRDINC150 | Income docs do not meet guidelines | No | For 1120s XXX XXX provide: a. Signed 1120sb. The Fannie Mae 1084, or Freddie Mac Form 91 or equivalent is required for XXX employment analysis. The most recent Form 1084 or Form 91 should be used based on application date. Instructions perForm 1084 or Form 91 must be followed. Copy of liquidity analysis must be included in the loan file if the income analysis includes income from boxes 1, 2 or 3 on the K-1 that is greater than distributions indicated on the K-1.If a liquidity analysis is required and the borrower is using business funds for downpayment or closing costs, the liquidity analysis must consider the reduction of those assets | XXX Client provided Cash Flow analysis for business: XXX XXX XXX. condition remains still missing signed 1120s for this business:XXX XXX XXX XXX Client provided the signed taxes | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: XXX for XXX XXX |
| 409013297 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Credit | Income/Employment | Satisfied C A | CRDINC2488 | Verbal verification of employment missing | No | Provide missing VOE from XXX for B1 meeting guidelines | XXX Client provided VVOE for B1 (XXX) dated XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: XXX for XXX XXX |
| 409013297 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | REO XXX - sold, documented in fileREO XXX - on 1040 - rental income offsets payment, documented in file. Provide the following for the remaining 6 REO's on final. The 1003 reflects rental payment used to offset. The rent is from 1065s, provide for each 1065 used: a. 2024 P&Lb. Signature pages. Income calc worksheet. VOE meeting XXX employed guidelines. 2024 1065 or extensions Subject to income, DTI and reserves recalc. May be subject to additional conditions upon review. | XXX Client provided LOX stating, Uploaded UW comments and calculation for the REO. Not using income so not P&L would be required, plus not main source of income so also would not be required, only using to offset payment. Loan is AUS so application date is used for tax extensions. Agree, missing signature on return. Response, Agree and provided REO rental worksheet. condition remains for missing 1065 signature pages for each 1065 used, for the four (4) 1065 businesses. (XXX XXX XXX and XXX XXX 1065 that need to be signed) Note: XXX XXX and XXX XXX XXX is on same Form 8825 for business XXXXXX Client provided the signed taxes | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: XXX for XXX XXX |
| 409013309 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX years, XXX months at current job.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; XXX% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXXrequired.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed. |
| 409013409 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX = $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX % DTI; max XXX%. |
| 409013409 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Missing lender's income calculation on form 1084 (or equivalent) required for XXX analysis. | 5.14.2025 Client provided Cash Flow Income analysis with income calculation | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX = $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX % DTI; max XXX%. |
| 409013409 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing xxx to support appraisal value $XXX due to CU Score of X | 5/13 Client provided a xxx supporting the appraised value with a XXX% variance | Satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX = $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX % DTI; max XXX%. |
| 409013427 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. |
| 409013446 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX reported XXX months; XXX months required. |
| 409013446 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Assets | Waived D B | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | XXX and XXX account have only XXX month statement; guidelines required XXX months. | 5.15.2025 Client provided exception approval to allow for one month bank statement (for both accounts), missing additional consecutive month | Upon further review by xxx xxx, exception is deemed non-material. Exception approved, B Grade with compensating factors, fico score XXX and having over XXX years with current residence. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX reported XXX months; XXX months required. |
| 409013451 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have XXX months of XXX on current mortgage<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI |
| 409013539 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX |
| 409013555 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months PITIA. |

---

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **SEMT 2025-6** |
| **Start - End Dates:** | **2/19/2025 - 5/20/2025** |
| **Deal Loan Count:** | **258** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *258* |
| ***Loans with Conditions:*** | *205* |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **Did Lender Acknowledge Exception at Origination** |
| 409007890 | Yes | XXXXXX | XXXXXX D B A | No |
| 409008772 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409008778 | Yes | XXXXXX | XXXXXX B A | Yes |
| 409008781 | Yes | XXXXXX | XXXXXX D B A | Not Applicable |
| 409008839 | Yes | XXXXXX | XXXXXX D B A | No |
| 409008871 | Yes | XXXXXX | XXXXXX C A | No |
| 409008875 | Yes | XXXXXX | XXXXXX C B A | No |
| 409008938 | Yes | XXXXXX | XXXXXX D A | No |
| 409009001 | Yes | XXXXXX | XXXXXX D A | No |
| 409009068 | Yes | XXXXXX | XXXXXX D B A C | Not Applicable |
| 409009111 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409009140 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409009166 | Yes | XXXXXX | XXXXXX D A B | No |
| 409009170 | Yes | XXXXXX | XXXXXX B A | No |
| 409009218 | Yes | XXXXXX | XXXXXX D A C | Not Applicable |
| 409009253 | Yes | XXXXXX | XXXXXX C B A | Not Applicable |
| 409009261 | Yes | XXXXXX | XXXXXX D A C | No |
| 409009262 | Yes | XXXXXX | XXXXXX C A | No |
| 409009304 | Yes | XXXXXX | XXXXXX A | No |
| 409009315 | Yes | XXXXXX | XXXXXX D B A | No |
| 409009340 | Yes | XXXXXX | XXXXXX D A C | Not Applicable |
| 409009517 | Yes | XXXXXX | XXXXXX D B A | Not Applicable |
| 409009525 | Yes | XXXXXX | XXXXXX A | No |
| 409009547 | Yes | XXXXXX | XXXXXX C A B | No |
| 409009551 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409011480 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409011484 | Yes | XXXXXX | XXXXXX D B A | No |
| 409011492 | Yes | XXXXXX | XXXXXX C A B | Not Applicable |
| 409011507 | Yes | XXXXXX | XXXXXX D A C | No |
| 409011512 | Yes | XXXXXX | XXXXXX D B A | Not Applicable |
| 409011515 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409011637 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409011650 | Yes | XXXXXX | XXXXXX D B | Not Applicable |
| 409011652 | Yes | XXXXXX | XXXXXX B A | Not Applicable |
| 409011749 | Yes | XXXXXX | XXXXXX C A | No |
| 409011758 | Yes | XXXXXX | XXXXXX D B A C | No |
| 409011771 | Yes | XXXXXX | XXXXXX D A C | Not Applicable |
| 409011778 | Yes | XXXXXX | XXXXXX B A | Not Applicable |
| 409011781 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409011789 | Yes | XXXXXX | XXXXXX D B A C | Not Applicable |
| 409011878 | Yes | XXXXXX | XXXXXX B A | Not Applicable |
| 409011898 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409011899 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409011900 | Yes | XXXXXX | XXXXXX D A B | Not Applicable |
| 409011901 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409011904 | Yes | XXXXXX | XXXXXX D A | No |
| 409011916 | Yes | XXXXXX | XXXXXX C B A | Not Applicable |
| 409011937 | Yes | XXXXXX | XXXXXX D A | No |
| 409011939 | Yes | XXXXXX | XXXXXX A | No |
| 409011947 | Yes | XXXXXX | XXXXXX C A | Not Applicable |
| 409011948 | Yes | XXXXXX | XXXXXX A | No |
| 409011949 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409011964 | Yes | XXXXXX | XXXXXX D B A | Not Applicable |
| 409011965 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409011979 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409011987 | Yes | XXXXXX | XXXXXX C B A | No |
| 409011988 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409011996 | Yes | XXXXXX | XXXXXX A | No |
| 409012033 | Yes | XXXXXX | XXXXXX B A | Not Applicable |
| 409012035 | Yes | XXXXXX | XXXXXX D B C A | Yes |
| 409012045 | Yes | XXXXXX | XXXXXX A | No |
| 409012053 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012059 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012063 | Yes | XXXXXX | XXXXXX D B A | No |
| 409012072 | Yes | XXXXXX | XXXXXX D B A | Not Applicable |
| 409012074 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012088 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409012091 | Yes | XXXXXX | XXXXXX C B A | Not Applicable |
| 409012098 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012102 | Yes | XXXXXX | XXXXXX B A | No |
| 409012103 | Yes | XXXXXX | XXXXXX C A | Not Applicable |
| 409012104 | Yes | XXXXXX | XXXXXX C B A | Yes |
| 409012113 | Yes | XXXXXX | XXXXXX A | No |
| 409012114 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012126 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012192 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012194 | Yes | XXXXXX | XXXXXX D B A | Not Applicable |
| 409012203 | Yes | XXXXXX | XXXXXX D B A | Yes |
| 409012210 | Yes | XXXXXX | XXXXXX C A | Not Applicable |
| 409012211 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409012218 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409012234 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012236 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012237 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012240 | Yes | XXXXXX | XXXXXX D A C | No |
| 409012245 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012253 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012255 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012263 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012268 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012284 | Yes | XXXXXX | XXXXXX D B A C | Not Applicable |
| 409012285 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409012303 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409012304 | Yes | XXXXXX | XXXXXX D B A | Not Applicable |
| 409012308 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012309 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409012315 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409012317 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409012318 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409012319 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012320 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012321 | Yes | XXXXXX | XXXXXX D B A | No |
| 409012325 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012328 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012330 | Yes | XXXXXX | XXXXXX C A | Not Applicable |
| 409012335 | Yes | XXXXXX | XXXXXX B A | No |
| 409012340 | Yes | XXXXXX | XXXXXX C A | Not Applicable |
| 409012352 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409012353 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012358 | Yes | XXXXXX | XXXXXX C A | Not Applicable |
| 409012359 | Yes | XXXXXX | XXXXXX A | No |
| 409012361 | Yes | XXXXXX | XXXXXX B A | Not Applicable |
| 409012370 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012371 | Yes | XXXXXX | XXXXXX D A C | No |
| 409012377 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012386 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409012387 | Yes | XXXXXX | XXXXXX D A C | No |
| 409012411 | Yes | XXXXXX | XXXXXX C A | Not Applicable |
| 409012414 | Yes | XXXXXX | XXXXXX D B A C | Not Applicable |
| 409012415 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012416 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012424 | Yes | XXXXXX | XXXXXX D B A C | No |
| 409012426 | Yes | XXXXXX | XXXXXX D A C | Not Applicable |
| 409012428 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012433 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012439 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409012449 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012452 | Yes | XXXXXX | XXXXXX B A | Not Applicable |
| 409012454 | Yes | XXXXXX | XXXXXX C B A | Not Applicable |
| 409012456 | Yes | XXXXXX | XXXXXX D A C | Not Applicable |
| 409012458 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409012461 | Yes | XXXXXX | XXXXXX B A | Not Applicable |
| 409012464 | Yes | XXXXXX | XXXXXX B A | No |
| 409012474 | Yes | XXXXXX | XXXXXX C A B | Not Applicable |
| 409012480 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012485 | Yes | XXXXXX | XXXXXX C B A | Yes |
| 409012488 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012491 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012511 | Yes | XXXXXX | XXXXXX B A | Not Applicable |
| 409012512 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012519 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012523 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409012527 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012529 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012532 | Yes | XXXXXX | XXXXXX A | No |
| 409012535 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012536 | Yes | XXXXXX | XXXXXX C B A | Not Applicable |
| 409012538 | Yes | XXXXXX | XXXXXX C B A | Not Applicable |
| 409012544 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012545 | Yes | XXXXXX | XXXXXX C B A | Not Applicable |
| 409012546 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012560 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012564 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409012565 | Yes | XXXXXX | XXXXXX B A | Not Applicable |
| 409012566 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012567 | Yes | XXXXXX | XXXXXX D B A C | Not Applicable |
| 409012568 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012570 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012574 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409012575 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012579 | Yes | XXXXXX | XXXXXX C B A | Not Applicable |
| 409012581 | Yes | XXXXXX | XXXXXX D A | No |
| 409012582 | Yes | XXXXXX | XXXXXX A | No |
| 409012583 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409012594 | Yes | XXXXXX | XXXXXX D B A | Not Applicable |
| 409012595 | Yes | XXXXXX | XXXXXX D A | No |
| 409012596 | Yes | XXXXXX | XXXXXX C B A | Not Applicable |
| 409012597 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012599 | Yes | XXXXXX | XXXXXX A | Yes |
| 409012602 | Yes | XXXXXX | XXXXXX C A | Not Applicable |
| 409012605 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012607 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012610 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409012613 | Yes | XXXXXX | XXXXXX D A B | Not Applicable |
| 409012614 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012674 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409012695 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012699 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012709 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012711 | Yes | XXXXXX | XXXXXX B A | No |
| 409012714 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409012715 | Yes | XXXXXX | XXXXXX C A | Not Applicable |
| 409012716 | Yes | XXXXXX | XXXXXX C A | No |
| 409012718 | Yes | XXXXXX | XXXXXX C A | No |
| 409012722 | Yes | XXXXXX | XXXXXX D B A | No |
| 409012724 | Yes | XXXXXX | XXXXXX D A | No |
| 409012726 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012727 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012728 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409012731 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012736 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012739 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012740 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012741 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012745 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012750 | Yes | XXXXXX | XXXXXX B A | Not Applicable |
| 409012755 | Yes | XXXXXX | XXXXXX C A | Not Applicable |
| 409012756 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012763 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409012767 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409012768 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409012771 | Yes | XXXXXX | XXXXXX A | No |
| 409012773 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409012775 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012779 | Yes | XXXXXX | XXXXXX B A | No |
| 409012780 | Yes | XXXXXX | XXXXXX B A | Not Applicable |
| 409012790 | Yes | XXXXXX | XXXXXX D A | No |
| 409012793 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012796 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012812 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012826 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012833 | Yes | XXXXXX | XXXXXX C B A | Not Applicable |
| 409012839 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012841 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409012848 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012855 | Yes | XXXXXX | XXXXXX C A | No |
| 409012872 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012877 | Yes | XXXXXX | XXXXXX B A | No |
| 409012878 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012900 | Yes | XXXXXX | XXXXXX D B C A | Not Applicable |
| 409012907 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409012960 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409012961 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012968 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409012972 | Yes | XXXXXX | XXXXXX B A | Not Applicable |
| 409012973 | Yes | XXXXXX | XXXXXX C A | Not Applicable |
| 409012975 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012983 | Yes | XXXXXX | XXXXXX D A B | Not Applicable |
| 409012987 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012991 | Yes | XXXXXX | XXXXXX C B A | Yes |
| 409013026 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409013030 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409013051 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409013057 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409013059 | Yes | XXXXXX | XXXXXX A | No |
| 409013063 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409013077 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409013081 | Yes | XXXXXX | XXXXXX D A | No |
| 409013088 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409013104 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409013110 | Yes | XXXXXX | XXXXXX D B A | No |
| 409013132 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409013136 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409013167 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409013189 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409013203 | Yes | XXXXXX | XXXXXX B A | Not Applicable |
| 409013206 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409013221 | Yes | XXXXXX | XXXXXX B A | No |
| 409013271 | Yes | XXXXXX | XXXXXX C B A | Yes |
| 409013272 | Yes | XXXXXX | XXXXXX D B A C | No |
| 409013297 | Yes | XXXXXX | XXXXXX D A C | No |
| 409013309 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409013409 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409013427 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409013446 | Yes | XXXXXX | XXXXXX D B A | Not Applicable |
| 409013451 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409013539 | Yes | XXXXXX | XXXXXX A | No |
| 409013555 | Yes | XXXXXX | XXXXXX A | No |

---

## Exhibit 99.7

---

| | |
|:---|:---|
| **EXHIBIT 99.7** | **CLAYTON WAIVED CONDITIONS SUMMARY** |

---

---

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **SEMT 2025-6** |
| **Start - End Dates:** | **2/19/2025 - 5/20/2025** |
| **Deal Loan Count:** | **258** |
| **Waived Conditions Summary** | **Waived Conditions Summary** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Review Scope** | **Category** | **Code** | **Description** | **Count** |
| Credit | Terms/Guidelines | CRDTER109 | Cash Out Amount Exceeds Guidelines | 1 |
| Credit | Terms/Guidelines | CRDTER3122 | Loan documents do not meet guideline requirements | 5 |
| Credit | Terms/Guidelines | CRDTER3262 | Property issues indicated | 1 |
| Credit | Credit/Mtg History | CRDCRMH104 | Credit score below guidelines | 1 |
| Credit | Credit/Mtg History | CRDCRMH124 | Collections, Liens, etc. not paid as required by guidelines | 1 |
| Credit | Credit/Mtg History | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | 2 |
| Credit | LTV/CLTV | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least XXX%, but less than XXX% | 1 |
| Credit | Title | CRDTIL875 | Title Does Not Agree With Mortgage | 1 |
| Credit | Income/Employment | CRDINC150 | Income docs do not meet guidelines | 3 |
| Credit | Income/Employment | CRDINC2408 | Income verification does not meet guidelines | 4 |
| Credit | Income/Employment | CRDINC2488 | Verbal verification of employment missing | 2 |
| Credit | Income/Employment | CRDINC3258 | Missing Profit and Loss statement for one or more Self Employed borrowers | 1 |
| Credit | Assets | CRDAST205 | Insufficient Funds to Close | 1 |
| Credit | Assets | CRDAST2670 | Asset documentation is insufficient per guideline requirements | 1 |
| Property Valuations | Property | PRVAPROP241 | Property Type unacceptable under guidelines | 1 |
| Property Valuations | Property | PRVAPROP2556 | Acreage exceeds property eligibility guidelines | 1 |
| Property Valuations | Appraisal | PRVAAPPR169 | Appraisal includes one or more issue(s) | 1 |
| Property Valuations | Appraisal | PRVAAPPR2300 | Missing Second Appraisal required per guidelines | 1 |
| Property Valuations | Appraisal | PRVAAPPR3116 | Missing updated valuation | 4 |
| Compliance | Right of Rescission | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | 8 |
| **Total** |  |  |  | **41** |

---

©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 99.8

---

| | |
|:---|:---|
| **EXHIBIT 99.8** | **amc diligence, LLC ("AMC") due diligence executive summary** |

---

![](tm2516936d1_ex99-8img01.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 Redwood Residential Acquisition Corporation (the "Client") via reliance letter. The Review was conducted in March 2025 through April 2025 on mortgage loans with origination dates in March 2025 through April 2025 via files imaged and provided by the original client for review.

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

During the course of the securitization evaluation process, the Client may have removed loans that were reviewed by AMC from the securitization for reasons that were not disclosed to AMC. The final population of the Review covered 40 mortgage loans totaling an aggregate original principal balance of approximately $52.072 million.

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

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

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

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Coborrower Qualifying FICO | &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Zip |

---

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.

1 \| P a g e

![](tm2516936d1_ex99-8img01.jpg)

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

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

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

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

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

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

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

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

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

2 \| P a g e

![](tm2516936d1_ex99-8img01.jpg)

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

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

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

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

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

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

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

3 \| P a g e

![](tm2516936d1_ex99-8img01.jpg)

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

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

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

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

i) failure to provide the right of rescission notice;

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

i) APR threshold test; and <br> ii) compliance with the escrow account and appraisal requirements as applicable.

4 \| P a g e

![](tm2516936d1_ex99-8img01.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

i) confirm current applicable HUD form was provided;

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

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

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

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

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

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

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

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

i) confirm the presence of the Servicing Disclosure Statement form in the mortgage loan file; <br> ii) verify the Servicing Disclosure Statement was provided to the borrower(s) within three (3) business days of application;

5 \| P a g e

![](tm2516936d1_ex99-8img01.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

6 \| P a g e

![](tm2516936d1_ex99-8img01.jpg)

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

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

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

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

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

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

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

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

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

*<u>Qualified Mortgage</u>*

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

---

| | |
|:---|:---|
| 1.) | for loans with an application date, defined in accordance with § 1026.2(a)(3)(ii), prior to 3/1/2021, at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source, |
| 2.) | for loans with an application date, defined in accordance with § 1026.2(a)(3)(ii), on or after 3/1/2021, but before 10/1/2022, submitted with a loan designation of Safe Harbor QM, Higher Priced QM, Safe Harbor QM (43-Q), or Higher Priced QM (43-Q), whether at the time of consummation, the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source, or |
| 3.) | for loans with an application date, defined in accordance with § 1026.2(a)(3)(ii), taken on or after 3/1/2021, submitted with a loan designation of Safe Harbor QM (APOR), or Higher Priced QM (APOR), "Revised QM", whether the APR exceeds the average prime offer rate by 2.25 or more percentage points, (additional thresholds applicable for lower loan balances, subordinate lien covered transactions and certain manufactured homes loan amounts), and whether the loan does not meet the credit guidelines without a documented exception and compensating factors. |

---

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

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

7 \| P a g e

![](tm2516936d1_ex99-8img01.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

8 \| P a g e

![](tm2516936d1_ex99-8img01.jpg)

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

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

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

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

**(X) Recording Review**

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

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

**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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

▪ Underwriting summary / loan approval (1008);

▪ Credit report;

▪ Income and employment documentation;

▪ 4506T;

▪ Asset documentation;

▪ Sales contract;

▪ Hazard and/or flood insurance policies;

▪ Copy of note for any junior liens;

▪ Appraisal;

▪ Title/Preliminary Title;

▪ Final 1003;

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

▪ Right of Rescission Disclosure;

▪ Mortgage/Deed of Trust;

▪ Note;

▪ Mortgage Insurance;

▪ Tangible Net Benefit Disclosure;

▪ Subordination Agreement;

▪ FACTA disclosures;

9 \| P a g e

![](tm2516936d1_ex99-8img01.jpg)

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

▪ Initial and final GFE's;

▪ HUD from sale of previous residence;

▪ Final HUD-1;

▪ Initial TIL;

▪ Final TIL;

▪ Loan Estimates;

▪ Closing Disclosures; and

▪ 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.

10 \| P a g e

![](tm2516936d1_ex99-8img01.jpg)

**SUMMARY OF FINDINGS AND CONCLUSIONS**

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

**OVERALL RESULTS SUMMARY**

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Loan Grades (# Loans)** | &nbsp;&nbsp;**NRSRO Loan Grades (# Loans)** | &nbsp;&nbsp;**NRSRO Loan Grades (# Loans)** | &nbsp;&nbsp;**NRSRO Loan Grades (# Loans)** | &nbsp;&nbsp;**NRSRO Loan Grades (# Loans)** |
| &nbsp;&nbsp;**Final Loan<br> Grade** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;31 | &nbsp;&nbsp;33 | &nbsp;&nbsp;40 | &nbsp;&nbsp;26 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;9 | &nbsp;&nbsp;7 | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**40** | &nbsp;&nbsp;**40** | &nbsp;&nbsp;**40** | &nbsp;&nbsp;**40** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Loan Grades (% Loans)** | &nbsp;&nbsp;**NRSRO Loan Grades (% Loans)** | &nbsp;&nbsp;**NRSRO Loan Grades (% Loans)** | &nbsp;&nbsp;**NRSRO Loan Grades (% Loans)** | &nbsp;&nbsp;**NRSRO Loan Grades (% Loans)** |
| &nbsp;&nbsp;**Final Loan<br> Grade** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;77.50% | &nbsp;&nbsp;82.50% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;65.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;22.50% | &nbsp;&nbsp;17.50% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;35.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** |

---

**EXCEPTION CATEGORY SUMMARY**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception <br> Type** | &nbsp;&nbsp;**Final <br> Exception <br> Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Required Data (other than HUD-1 or Note) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***7*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**7** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***9*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**9** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**16** |

---

11 \| P a g e

![](tm2516936d1_ex99-8img01.jpg)

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the 40 mortgage loans reviewed, 35 unique mortgage loans had 35 different tape discrepancies in 1 data field (some mortgage loans had more than one data delta). A blank or zero value on the data tape when an actual value was captured by AMC was treated as a data variance. The largest variance was found on Investor: Qualifying Total Debt Ratio. Qualifying Total Debt Ratio variances are the difference on the percentage of income dedicated toward making debt payments. These variances occur frequently due to differences in calculating complex incomes.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With<br> Discrepancy** | &nbsp;&nbsp;**Total Times <br> Compared** | &nbsp;&nbsp;**% <br> Variance** | &nbsp;&nbsp;**# Of<br> Loans** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;40 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;40 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;40 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;40 |
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;40 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;40 |
| &nbsp;&nbsp;Coborrower Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;24 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;40 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;35 | &nbsp;&nbsp;40 | &nbsp;&nbsp;87.50% | &nbsp;&nbsp;40 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;40 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;40 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;40 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;40 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;40 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;40 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;40 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;40 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;40 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;40 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;40 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;0 | &nbsp;&nbsp;40 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;40 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**35** | &nbsp;&nbsp;**438** | &nbsp;&nbsp;**7.99%** | &nbsp;&nbsp;**40** |

---

**ADDITIONAL MORTGAGE LOAN POPULATION SUMMARY**

(some totals may not add due to rounding)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;40 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$52071610.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**40** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$52071610.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;40 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$52071610.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**40** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$52071610.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;6 | &nbsp;&nbsp;15.00% | &nbsp;&nbsp;$8985848.00 | &nbsp;&nbsp;17.26% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;4 | &nbsp;&nbsp;10.00% | &nbsp;&nbsp;$4603200.00 | &nbsp;&nbsp;8.84% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;22 | &nbsp;&nbsp;55.00% | &nbsp;&nbsp;$28109074.00 | &nbsp;&nbsp;53.98% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;8 | &nbsp;&nbsp;20.00% | &nbsp;&nbsp;$10373488.00 | &nbsp;&nbsp;19.92% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**40** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$52071610.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;40 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$52071610.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**40** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$52071610.00** | &nbsp;&nbsp;**100.00%** |

---

12 \| P a g e

![](tm2516936d1_ex99-8img01.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;17 | &nbsp;&nbsp;42.50% | &nbsp;&nbsp;$22158794.00 | &nbsp;&nbsp;42.55% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;4 | &nbsp;&nbsp;10.00% | &nbsp;&nbsp;$5169371.00 | &nbsp;&nbsp;9.93% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;19 | &nbsp;&nbsp;47.50% | &nbsp;&nbsp;$24743445.00 | &nbsp;&nbsp;47.52% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**40** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$52071610.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;37 | &nbsp;&nbsp;92.50% | &nbsp;&nbsp;$47917150.00 | &nbsp;&nbsp;92.02% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;3 | &nbsp;&nbsp;7.50% | &nbsp;&nbsp;$4154460.00 | &nbsp;&nbsp;7.98% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**40** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$52071610.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Broker | &nbsp;&nbsp;19 | &nbsp;&nbsp;47.50% | &nbsp;&nbsp;$24674157.00 | &nbsp;&nbsp;47.39% |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;18 | &nbsp;&nbsp;45.00% | &nbsp;&nbsp;$23647393.00 | &nbsp;&nbsp;45.41% |
| &nbsp;&nbsp;Correspondent Flow without Delegated UW | &nbsp;&nbsp;3 | &nbsp;&nbsp;7.50% | &nbsp;&nbsp;$3750060.00 | &nbsp;&nbsp;7.20% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**40** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$52071610.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Review Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Credit/Compliance - TRID | &nbsp;&nbsp;40 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$52071610.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**40** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$52071610.00** | &nbsp;&nbsp;**100.00%** |

---

13 \| P a g e

## Exhibit 99.9

---

| | |
|:---|:---|
| **EXHIBIT 99.9** | **amc loan SECURITIZATION report set** |

---

![](tm2516936d1_ex99-9img01.jpg)

**Rating Agency Grades**

**Run Date - 5/30/2025 8:41:46 AM**

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** |
| XXX | 3558372918 | XXX |  |  | A | A | A B | A B | A | A | A B | A B |  |
| XXX | 3558509152 | XXX |  |  | C | C | A | C | A | A | A | A |  |
| XXX | 3559290321 | XXX |  |  | C | B | A | C | B | B | A | B |  |
| XXX | 3558374337 | XXX |  |  | B | A | A | B | A | A | A | A |  |
| XXX | 3558977822 | XXX |  |  | C | A | A | C | A | A | A | A |  |
| XXX | 3559325305 | XXX |  |  | B | A | A | B | B | A | A | B |  |
| XXX | 3559386342 | XXX |  |  | B | C | A | C | B | A | A | B |  |
| XXX | 3559404602 | XXX |  |  | C | C | A | C | A | A | A | A |  |
| XXX | 3559943403 | XXX |  |  | C | A | A | C | A | A | A | A |  |
| XXX | 3555899259 | XXX |  |  | B | A | A | B | B | A | A | B |  |
| XXX | 3559282110 | XXX |  |  | B | B | A | B | B | B | A | B |  |
| XXX | 3560264327 | XXX |  |  | A | C | A | C | A | A | A | A |  |
| XXX | 3557818017 | XXX |  |  | B | A | A | B | B | A | A | B |  |
| XXX | 3558198771 | XXX |  |  | C | A | A | C | A | A | A | A |  |
| XXX | 3559815266 | XXX |  |  | A | A | C | C | A | A | A | A |  |
| XXX | 3559929676 | XXX |  |  | A | C | A | C | A | A | A | A |  |
| XXX | 3560077466 | XXX |  |  | A | B | A | B | A | B | A | B |  |
| XXX | 3559041001 | XXX |  |  | C | A | A | C | B | A | A | B |  |
| XXX | 3559084426 | XXX |  |  | C | A | A | C | A | A | A | A |  |
| XXX | 3559320806 | XXX |  |  | A | B | A | B | A | B | A | B |  |
| XXX | 3559388007 | XXX |  |  | B | A | A | B | B | A | A | B |  |
| XXX | 3559397367 | XXX |  |  | A | C | A | C | A | A | A | A |  |
| XXX | 3559893464 | XXX |  |  | A | B | A | B | A | B | A | B |  |
| XXX | 3557614729 | XXX |  |  | A | B | A | B | A | B | A | B |  |
| XXX | 3557873443 | XXX |  |  | A | A | A | A | A | A | A | A |  |
| XXX | 3559229019 | XXX |  |  | A | A | A | A | A | A | A | A |  |
| XXX | 3559344641 | XXX |  |  | A | A | A | A | A | A | A | A |  |
| XXX | 3559714421 | XXX |  |  | A | A | A | A | A | A | A | A |  |
| XXX | 3558255133 | XXX |  |  | A | A | A | A | A | A | A | A |  |
| XXX | 3558370126 | XXX |  |  | A | A | A | A | A | A | A | A |  |
| XXX | 3559276559 | XXX |  |  | A | A | A | A | A | A | A | A |  |
| XXX | 3559430332 | XXX |  |  | A | A | A | A | A | A | A | A |  |
| XXX | 3559444447 | XXX |  |  | C | A | A | C | A | A | A | A |  |
| XXX | 3559855928 | XXX |  |  | C | A | A | C | A | A | A | A |  |
| XXX | 3559929646 | XXX |  |  | C | C | A | C | A | A | A | A |  |
| XXX | 3560383817 | XXX |  |  | B | A | A | B | B | A | A | B |  |
| XXX | 3555627178 | XXX |  |  | C | A | A | C | A | A | A | A |  |
| XXX | 3558505661 | XXX |  |  | A | C | A | C | A | B | A | B |  |
| XXX | 3559337511 | XXX |  |  | A | A | A | A | A | A | A | A |  |
| XXX | 3559686365 | XXX |  |  | A | A | A | A | A | A | A | A |  |

---

![](tm2516936d1_ex99-9img01.jpg)

**Exception Grades**

**Run Date - 5/30/2025 8:41:46 AM** 

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| XXX | 3558372918 | XXX |  | 33522017 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Buyer Comment (2025-04-28): Seller acknowledges exception, no change to grading.<br>Reviewer Comment (2025-04-28): Exception is firing due to an AVM that was provided in the file. This does not effect grading and is informational only.<br>Buyer Comment (2025-04-23): Please clarify; the loan file has a 1004 appraisal and a CDA supporting the value. What is the tertiary product? |  |  | 04/28/2025 | 2 A B |  | XXX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXX | 3558509152 | XXX |  | 33522020 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. |  |  |  | Reviewer Comment (2025-04-03): [redacted] received proof of earlier electronic reciept<br>Buyer Comment (2025-04-02): [redacted]: see the attachment. | 04/03/2025 |  |  | 1 C A |  | XXX | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXX | 3558509152 | XXX |  | 33522021 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | [redacted] requires one of the following when using a lease agreement to consider newly established rental income: 1) Form 1007 or 1025, as applicable, or 2) The security deposit and first month's rent check with proof of deposit. Please provide the additional supporting documentation for the newly established lease for review. |  |  |  | Reviewer Comment (2025-04-03): Received Comparable Rent Schedule for the indicated property. Exception cleared.<br>Buyer Comment (2025-04-02): [redacted]: see the attachment. | 04/03/2025 |  |  | 1 C A |  | XXX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXX | 3559290321 | XXX |  | 33522022 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | Final Title / Title preliminary policy is missing in the file |  |  |  | Reviewer Comment (2025-04-02): Received Title Preliminary. Exception cleared.<br>Buyer Comment (2025-04-02): Please see attached title commitment | 04/02/2025 |  |  | 1 C A |  | XXX | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXX | 3559290321 | XXX |  | 33522024 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the [redacted], or [redacted]) |  |  |  |  | Buyer Comment (2025-04-02): Seller acknowledges the exception, no change to grading. |  |  | 04/02/2025 | 2 B |  | XXX | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXX | 3559290321 | XXX |  | 33522025 |  | 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. |  |  |  |  |  | Buyer Comment (2025-05-02): Seller acknowledges the exception, no change to grading. |  |  | 05/02/2025 | 2 B |  | XXX | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXX | 3558374337 | XXX |  | 33522027 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-04-15): Final Title Policy provided. Exception cleared. | 04/15/2025 |  |  | 1 A |  | XXX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXX | 3558374337 | XXX |  | 33522028 |  | 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 (2025-04-15): Final Title Policy provided. Exception cleared.<br>Buyer Comment (2025-04-14): Please see attached final title policy. | 04/15/2025 |  |  | 1 B A |  | XXX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXX | 3558977822 | XXX |  | 33522031 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | Reviewer Comment (2025-04-14): Received Title commitment. Exception cleared<br>Buyer Comment (2025-04-14): Please see attached for full title information. | 04/14/2025 |  |  | 1 C A |  | XXX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXX | 3559325305 | XXX |  | 33522035 |  | 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. |  |  |  |  |  | Buyer Comment (2025-04-14): seller accepts; no change to grading. |  |  | 04/14/2025 | 2 B |  | XXX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXX | 3559386342 | XXX |  | 33522038 |  | 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. |  |  |  |  |  | Buyer Comment (2025-04-14): Seller acknowledges exception, no change to grading. |  |  | 04/14/2025 | 2 B |  | XXX | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXX | 3559386342 | XXX |  | 33522037 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. |  |  |  | Reviewer Comment (2025-04-14): [redacted] received proof of earlier electronic receipt<br>Buyer Comment (2025-04-14): Please see the attached internal screenshot showing that the LE dated [redacted] was viewed/received by the borrower on [redacted]. Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the borrower electronically. | 04/14/2025 |  |  | 1 C A |  | XXX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXX | 3559404602 | XXX |  | 33522040 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | Only Supplements to the Preliminary Title were found. Please provide the complete Preliminary or Final Title. |  |  |  | Reviewer Comment (2025-04-15): Received complete Title Commitment. Exception cleared.<br>Buyer Comment (2025-04-14): Please see attached title commitment. | 04/15/2025 |  |  | 1 C A |  | XXX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXX | 3559404602 | XXX |  | 33522041 |  | 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. | The file only contained the final and PC Closing Disclosures. Please provide the initial and any subsequent CD's (if applicable) issued to the borrower for review. |  |  |  | Reviewer Comment (2025-04-15): [redacted] received initial CD.<br>Buyer Comment (2025-04-14): Please see attached initial CD dated [redacted]. | 04/15/2025 |  |  | 1 C A |  | XXX | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXX | 3559943403 | XXX |  | 33522048 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The third party verification of employment for [redacted] income was not time stamped. Please provide evidence of when the lender obtained the verification for review |  |  |  | Reviewer Comment (2025-04-15): Although the Third Party Verification document was not dated, the SOS printout indicates an annual report was filed [redacted]. This is sufficient to ascertain the business was active in the last [redacted] calendar days. Exception cleared.<br>Reviewer Comment (2025-04-15): Please provide the Third party verification document. Exception Remains.<br>Buyer Comment (2025-04-14): Please see attached, internal timestamp confirming the document was obtained on [redacted] | 04/15/2025 |  |  | 1 C A |  | XXX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXX | 3555899259 | XXX |  | 33522050 |  | 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. |  |  |  |  |  | Buyer Comment (2025-04-14): Seller acknowledges exception, no change to grading. |  |  | 04/14/2025 | 2 B |  | XXX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXX | 3559282110 | XXX |  | 33522054 |  | 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. |  |  |  |  |  | Buyer Comment (2025-04-14): Seller acknowledges exception, no change in grading |  |  | 04/14/2025 | 2 B |  | XXX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXX | 3559282110 | XXX |  | 33522056 |  | 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 (2025-04-14): Seller acknowledges exception, no change in grading |  |  | 04/14/2025 | 2 B |  | XXX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXX | 3560264327 | XXX |  | 33522060 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. |  |  |  | Reviewer Comment (2025-04-14): Disclosure tracking provided<br>Buyer Comment (2025-04-14): Please see attached | 04/14/2025 |  |  | 1 C A |  | XXX | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXX | 3557818017 | XXX |  | 33522063 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  | Buyer Comment (2025-04-14): Seller acknowledges the exception, no change to grading. |  |  | 04/14/2025 | 2 B |  | XXX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXX | 3558198771 | XXX |  | 33522069 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. |  | Reserves are insufficient due to missing the fully executed closing disclosure for the sale of [redacted] Please provide for review. |  |  |  | Reviewer Comment (2025-04-15): Received Seller's Final Settlement Statement document. Exception cleared<br>Buyer Comment (2025-04-14): Please see attached, settlement statement confirming the sale of the property at [redacted] | 04/15/2025 |  |  | 1 C A |  | XXX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXX | 3558198771 | XXX |  | 33522068 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Assets are insufficient due to missing the fully executed closing disclosure for the sale of [redacted] Please provide for review. |  |  |  | Reviewer Comment (2025-04-15): Received Seller's Final Settlement Statement document. Exception cleared<br>Buyer Comment (2025-04-14): Please see attached, settlement statement confirming funds received from the sale of the property | 04/15/2025 |  |  | 1 C A |  | XXX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXX | 3559815266 | XXX |  | 33522071 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation does not support the value used to qualify. Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2025-04-15): Secondary appraisal was provided supporting value. Exception cleared.<br>Buyer Comment (2025-04-14): A second appraisal (pg [redacted]) obtained on [redacted] was ordered to satisfy the secondary valuation requirement. | 04/15/2025 |  |  | 1 C A |  | XXX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXX | 3559929676 | XXX |  | 33522074 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. |  |  |  | Reviewer Comment (2025-04-14): Disclosure tracking provided<br>Buyer Comment (2025-04-14): please see attached | 04/14/2025 |  |  | 1 C A |  | XXX | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXX | 3560077466 | XXX |  | 33522077 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-04-14): seller accepts; no change to grading. |  |  | 04/14/2025 | 2 B |  | XXX | Primary | Refinance - Cash-out - Other | Good Faith Redisclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXX | 3559041001 | XXX |  | 33522081 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | Reviewer Comment (2025-04-14): Received Title commitment. Exception cleared<br>Buyer Comment (2025-04-14): please see attached | 04/14/2025 |  |  | 1 C A |  | XXX | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXX | 3559041001 | XXX |  | 33522083 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  | Buyer Comment (2025-04-14): Seller acknowledges exception, no change in grading |  |  | 04/14/2025 | 2 B |  | XXX | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXX | 3559084426 | XXX |  | 33522084 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of [redacted] Citizen Status not provided |  | The citizenship on the Final 1003 was disclosed as [redacted] citizen which was crossed off and the [redacted] box was checkmarked and the change was initialed by the co-borrower. File is missing a copy of the front and back of the co-borrower's [redacted] card that is valid past the subject loan closing date. Please provide for review. |  |  |  | Reviewer Comment (2025-04-15): Received copy of co-borrower's [redacted] card covering the note date. Exception Cleared.<br>Buyer Comment (2025-04-15): Please see the attachment. | 04/15/2025 |  |  | 1 C A |  | XXX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXX | 3559084426 | XXX |  | 33522087 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Citizenship Source Documentation was not provided |  | The citizenship on the Final 1003 was disclosed as [redacted] citizen which was crossed off and the [redacted] box was checkmarked and the change was initialed by the co-borrower. File is missing a copy of the front and back of the co-borrower's [redacted] card that is valid past the subject loan closing date. Please provide for review. |  |  |  | Reviewer Comment (2025-04-15): Received copy of co-borrower's [redacted] card covering the note date. Exception Cleared.<br>Buyer Comment (2025-04-15): Please see the attachment. | 04/15/2025 |  |  | 1 B A |  | XXX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXX | 3559320806 | XXX |  | 33522088 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-04-14): Seller acknowledges exception, no change to grading. |  |  | 04/14/2025 | 2 B |  | XXX | Primary | Purchase | Good Faith Redisclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXX | 3559388007 | XXX |  | 33522091 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  | Buyer Comment (2025-04-14): Seller acknowledges the exception, no change to grading. |  |  | 04/14/2025 | 2 B |  | XXX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXX | 3559397367 | XXX |  | 33522095 |  | Compliance | 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 CoC in file indicates an increase in discount points on the CD issued [redacted] due to a change in mortgage amount. However, the mortgage amount decreased due to a decrease in the sales price. LTV remained the same. Please provide clarification/documentation to support the increase in points from [redacted]% to [redacted]%. |  |  |  | Reviewer Comment (2025-04-17): [redacted] received rebuttal comment and pricing snip for increase in discount.<br>Buyer Comment (2025-04-16): The brokers compensation is fixed at $[redacted] and partially paid via loan points. Per the attached screenshot, the percentage of points paid to the broker increased because the loan amount decreased, but the actual amount paid to the broker remained fixed at approximately $[redacted]. Please see attached. [redacted] comp was [redacted]% of $[redacted] and closed at [redacted]% of $[redacted]. | 04/17/2025 |  |  | 1 C A |  | XXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXX | 3559893464 | XXX |  | 33522097 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-04-14): Seller acknowledges exception, no change to grading. |  |  | 04/14/2025 | 2 B |  | XXX | Primary | Refinance - Cash-out - Other | Good Faith Redisclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXX | 3557614729 | XXX |  | 33522099 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-04-16): Seller acknowledges exception, no change to grading. |  |  | 04/16/2025 | 2 B |  | XXX | Primary | Purchase | Good Faith Redisclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXX | 3557873443 | XXX |  | 33522103 |  | 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 (2025-04-15): Sufficient Cure Provided At Closing |  | 04/15/2025 |  | 1 A |  | XXX | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXX | 3559444447 | XXX |  | 33522121 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The appraisal indicates the subject's Zoning Classification is [redacted] which is not allowed per guidelines. The 1008 indicates this was acceptable. Please provide the compensating factors utilized in the exception determination, if applicable, or provide attestation that this does in fact meet guidelines based on the comments on the 1008. |  |  |  | Reviewer Comment (2025-04-23): Per client attestation, the subjects Zoning Classification meets guidelines. Exception cleared.<br>Buyer Comment (2025-04-22): Please consider this [redacted] attestation confirming the subject property meets mixed use guidelines and is acceptable as a SFR per the zoning description. | 04/23/2025 |  |  | 1 C A |  | XXX | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXX | 3559855928 | XXX |  | 33522125 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing the mortgage statement documentation for this property. Please provide for review. |  |  |  | Reviewer Comment (2025-04-28): Mortgage Statement to verify P&I amount is present in file. Exception Cleared.<br>Buyer Comment (2025-04-25): Prior comment is not accurate, the lien payment was moved from one property to the correct property, the P&I, taxes and insurance, did not change at all. Payment amount did not change, the DTI did not change. The 1003 and 1008 which were uploaded are sufficient, please review to clear.<br>Reviewer Comment (2025-04-25): DTI variance is more than [redacted]% which guidelines does not allows please provided updated 1008 and AUS document. Exception Remains.<br>Buyer Comment (2025-04-24): Please refer to page [redacted] DOC ID [redacted] for the 1008 that was provided [redacted]. New AUS findings are not required as DTI did not change.<br>Reviewer Comment (2025-04-24): Received updated 1003 but required updated 1008 and Aus document. Exception Remains.<br>Buyer Comment (2025-04-23): Please be advised the [redacted] is tied to the primary residence [redacted] and not [redacted], this has been updated and a new 1003 and 1008 have been uploaded. [redacted] is free and clear as evidenced by the lack of mortgagee on the homeowners insurance policy in the loan images for this property. [redacted] now only has taxes and insurance. Also attached is a calculation for the P&I for the [redacted] based on a conservative loan balance.<br>Buyer Comment (2025-04-23): Please be advised the[redacted] is tied to the primary residence[redacted], this has been updated and a new 1003 and 1008 have been uploaded. [redacted] is free and clear as evidenced by the lack of mortgagee on the homeowners insurance policy in the loan images for this property. [redacted] now only has taxes and insurance. Also attached is a calculation for the P&I for the [redacted] based on a conservative loan balance. | 04/28/2025 |  |  | 1 C A |  | XXX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXX | 3559929646 | XXX |  | 33522128 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ |  |  |  |  | Reviewer Comment (2025-04-23): HOI effective date is the same as the disbursement date, which is allowed per guidelines. Exception cleared.<br>Buyer Comment (2025-04-23): Please see internal guidelines confirming the effective date must start no later that the disbursement date.<br>Reviewer Comment (2025-04-23): Please provide the Hazard Insurance document effective at the time of closing date. Exception Remains.<br>Buyer Comment (2025-04-22): Please see the attached corrected dec page with effective date [redacted]. | 04/23/2025 |  |  | 1 C A |  | XXX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXX | 3559929646 | XXX |  | 33522130 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted]% fee violation due to an increase in the [redacted] Percent Tolerance. Baseline does not reset until there is an aggregate increase of more than [redacted]%. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted] a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-04-25): [redacted] received Post CD and LOX by moving title fees to section [redacted].<br>Buyer Comment (2025-04-24): The title fees paid to [redacted] and [redacted] land title were client chosen and should not be held to [redacted]% tolerance. Please see the attached post close corrected CD moving the fees from section [redacted], loe to borrower and shipping label.<br>Reviewer Comment (2025-04-23): The $[redacted] Title - Closing/Settlement Fee consists of the $[redacted] Title - Closing/Settlement Fee + the Title - Contract Closer Fee in the amount of $[redacted]. Exception remains.<br>Buyer Comment (2025-04-23): The TRID Analyzer reflects the Final Title-Settlement/Closing fee as $[redacted] which contribute to the overage. Please correct this in your system and recalculate the overage.<br>Reviewer Comment (2025-04-23): [redacted] agreed that the Settlement or Closing fee was $[redacted] on Final CD and the fees were exceeds over [redacted]% tolerance of $[redacted] (ILE $[redacted] + [redacted]% ($[redacted]) = $[redacted]- $[redacted] FCD). Provide refund cure of $[redacted] with Cure consists of corrected CD, LOE to borrower, proof of mailing, and copy of refund check.<br>Buyer Comment (2025-04-22): Agree a tolerance violation occurred but not on the cure amount. Final CD confirms the Title- settlement or closing fee was $[redacted]. Can the reviewer please update test and exception comments to reflect correct cure amount? | 04/25/2025 |  |  | 1 C A |  | XXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXX | 3560383817 | XXX |  | 33522135 |  | 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. |  |  |  |  |  | Buyer Comment (2025-04-22): Seller acknowledges the exception, no change to grading. |  |  | 04/22/2025 | 2 B |  | XXX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXX | 3555627178 | XXX |  | 33522137 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | The file is missing the Insurance Verification documentation for this property. Please provide for review |  |  |  | Reviewer Comment (2025-04-23): Per client's rebuttal, HOI was calculated at [redacted]% versus obtaining a copy of the policy. Exception cleared.<br>Buyer Comment (2025-04-22): Please take a look at page [redacted] of [redacted], which includes the 1008. It shows our underwriter applied [redacted]% of the loan amount for HOI to prevent over conditioning. This is a conservative approach, DTI remains within range, and it's a standard practice in the industry. Please escalate to be cleared | 04/23/2025 |  |  | 1 C A |  | XXX | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXX | 3558505661 | XXX |  | 33522140 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-04-22): seller accepts; no change to grading. |  |  | 04/22/2025 | 2 B |  | XXX | Primary | Purchase | Good Faith Redisclosure C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXX | 3558505661 | XXX |  | 33522142 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted]% fee violation due to an increase in the Section [redacted] Title - Lender's Title Insurance fee. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-04-24): [redacted] received corrected PCCD and LOE<br>Buyer Comment (2025-04-23): Please see the attached redisclosure package | 04/24/2025 |  |  | 1 C A |  | XXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |

---

![](tm2516936d1_ex99-9img01.jpg)

**Valuation Report**

**Run Date - 5/30/2025 8:41:46 AM**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **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** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL 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** | **FIELD REVIEW VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** |  |  |  |
| **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** | **Appraised Value** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraisal Valuation Type** | **Appraisal Company** | **Appraisal FSD Score** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Report Date** | **Second Appraisal Effective Date** | **Second Appraisal Type** | **Second Appraisal Company** | **Second Appraisal FSD Score** | **Second Appraisal Desk Review Score** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence<br> Score** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| XXX | 3558372918 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -19.493% |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
| XXX | 3558509152 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXX | 3559290321 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| XXX | 3558374337 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 3558977822 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 3559325305 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 3559386342 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| XXX | 3559404602 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 3559943403 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| XXX | 3555899259 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| XXX | 3559282110 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| XXX | 3560264327 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| XXX | 3557818017 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
| XXX | 3558198771 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| XXX | 3559815266 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -0.594% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | -11.639% | High |  |  |  |  |  |  |  |  |  |  | -15.689% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 3559929676 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXX | 3560077466 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| XXX | 3559041001 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| XXX | 3559084426 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 3559320806 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.90 |
| XXX | 3559388007 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| XXX | 3559397367 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| XXX | 3559893464 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 3557614729 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 3557873443 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 3559229019 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| XXX | 3559344641 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 3559714421 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| XXX | 3558255133 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 3.150% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| XXX | 3558370126 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| XXX | 3559276559 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 3559430332 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| XXX | 3559444447 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| XXX | 3559855928 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| XXX | 3559929646 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| XXX | 3560383817 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 3555627178 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| XXX | 3558505661 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| XXX | 3559337511 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| XXX | 3559686365 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |

---

![](tm2516936d1_ex99-9img01.jpg)

**Supplemental Data**

**Run Date - 5/30/2025 8:41:47 AM**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **TILA Status Loan Designation** | **Exempt QM/ATR Equivalency** | **CDFI Bank Originated Loan** | **Application Date** | **TRID Tested** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Original P&I** | **Qualifying P&I** | **Qualifying Rate** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Co Borrower 2 Foreign National Indicator** | **Co Borrower 3 Foreign National Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Co Borrower2 Country Name** | **Co Borrower3 Country Name** | **Residual Income** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **Monthly Property Tax** | **Monthly Insurance Costs** | **HOA Name** | **HOA Address State** | **Fee Amount** | **Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Income Doc Detail** | **Tax Return Doc Details** | **Document Level** | **Document Type** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy (7, 11)** | **Months Bankruptcy (13)** | **Most Recent Deed-in - Lieu Date** | **Number of Deed-in-Lieu Events** | **Months Deed-in-Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** | **Property Inspection Waiver (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Is Equity Shared Loan** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **DSCR** | **Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Duration of Payout Months** | **Seller VSH Indicator** | **Seller Indicated VSH Guideline** | **Validated VSH** | **IO Remaining Amortization Term at Recast** | **Maturity Date** | **Borrower Own Funds Cash Amount** | **Borrower Own Funds Percent** | **Is the Note an eNote** | **Borrower WVOE - # of Months of Income provided** | **Co Borrower WVOE - # of Months of Income provided** | **Co Borrower2 WVOE - # of Months of Income provided** | **Co Borrower3 WVOE - # of Months of Income provided** | **Were the origination guidelines utilized for this diligence review?** | **Title Evidence** | **Ownership Type** | **Borrower Type** | **Borrower Designation** | **Co Borrower Type** | **Co Borrower Designation** | **Co Borrower2 Type** | **Co Borrower2 Designation** | **Co Borrower3 Type** | **Co Borrower3 Designation** | **Senior Lien Position** | **Senior Lien Original Loan Amount** | **Senior Lien Original Interest Rate** | **Senior Lien Note Projected Closing Date** | **Senior Lien Current Balance** | **Senior Lien Current P&I** | **Loan Closed in the Name of an Entity** | **Note Executed by** | **Assumable Mortgage Flag** | **Leasehold Flag** | **Buydown Flag** | **Borrower Experian FICO Model Used** | **Borrower Equifax FICO Model Used** | **Borrower TransUnion FICO Model Used** | **Co Borrower Experian FICO Model Used** | **Co Borrower Equifax FICO Model Used** | **Co Borrower TransUnion FICO Model Used** | **Co Borrower2 Experian FICO Model Used** | **Co Borrower2 Equifax FICO Model Used** | **Co Borrower2 TransUnion FICO Model Used** | **Co Borrower3 Experian FICO Model Used** | **Co Borrower3 Equifax FICO Model Used** | **Co Borrower3 TransUnion FICO Model Used** | **Borrower Documentation Used to Determine Legal Residency** | **Co Borrower Documentation Used to Determine Legal Residency** | **Co Borrower2 Documentation Used to Determine Legal Residency** | **Co Borrower3 Documentation Used to Determine Legal Residency** | **Delayed Financing?** | **Months Reserves** | **Correspondent Type** | **Departure Residence** | **Rate Increase on Default** | **MERS Min Number** | **Co Borrower Other Income** | **Co Borrower Wage Income** |
| XXX | 3558372918 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Other - 2025 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021 | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 3.4 | DU |  | XXX | N/A | No | XXX | 0 |  | 2 | 0 | 3 | 2 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No | XXX | XXX | XXX |
| XXX | 3558509152 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 1.1 | DU |  | XXX | N/A | No | XXX | 0 | 2 | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX | Retail | Yes | No | XXX | XXX | XXX |
| XXX | 3559290321 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 2.2 | DU |  | XXX | N/A | No | XXX | 0 |  | 1 | 0 | 3 | 3 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  | No | No | XXX | XXX | XXX |
| XXX | 3558374337 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 1 | DU |  | XXX | N/A | No | XXX | 1 | 2 | 0 | 0 | 3 | 3 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No | XXX | XXX | XXX |
| XXX | 3558977822 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 1 | DU |  | XXX | N/A | No | XXX | 2 |  | 2 | 0 | 3 | 3 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No | No | XXX | XXX | XXX |
| XXX | 3559325305 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 1 | DU |  | XXX | N/A | No | XXX | 2 | 2 | 0 | 0 | 3 | 2 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No | XXX | XXX | XXX |
| XXX | 3559386342 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 1.4 | DU |  | XXX | N/A | No | XXX | 2 |  | 2 | 0 | 3 | 3 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No | XXX | XXX | XXX |
| XXX | 3559404602 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 1 | DU |  | XXX | N/A | No | XXX | 2 | 2 | 0 | 0 | 3 | 3 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  | VISA | VISA |  |  |  | XXX | Retail |  | No | XXX | XXX | XXX |
| XXX | 3559943403 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 3.3 | DU |  | XXX | N/A | No | XXX | 1 | 1 | 2 | 0 | 3 | 3 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No | No | XXX | XXX | XXX |
| XXX | 3555899259 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX | XXX | XXX | XXX | US Citizen | US Citizen | US Citizen | US Citizen |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified | Level 2-Stated/Not Verified | Level 5-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 2.3 | DU |  | XXX | N/A | No | XXX | 1 | 0 | 0 | 0 | 3 | 3 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  | XXX |  |  | No | XXX | XXX | XXX |
| XXX | 3559282110 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 1.4 | DU |  | XXX | N/A | No | XXX | 2 | 2 | 2 | 0 | 3 | 3 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No | XXX | XXX | XXX |
| XXX | 3560264327 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2024<br> [Borrower - \| Primary Income - Wages]; Other - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 3.2 | DU |  | XXX | N/A | No | XXX | 1 |  | 0 | 0 | 3 | 3 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No | No | XXX | XXX | XXX |
| XXX | 3557818017 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 4.1 | DU |  | XXX | N/A | No | XXX | 2 |  | 0 | 0 | 3 | 3 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No | XXX | XXX | XXX |
| XXX | 3558198771 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 3 | DU |  | XXX | N/A | No | XXX | 2 | 0 | 1 | 0 | 3 | 3 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No | No | XXX | XXX | XXX |
| XXX | 3559815266 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  | DU |  | XXX | N/A | No | XXX | 2 | 2 | 0 | 0 | 3 | 3 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  | Yes | No | XXX | XXX | XXX |
| XXX | 3559929676 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Account Transcripts - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Account Transcripts - 2021<br> [Borrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 2.6 | DU |  | XXX | N/A | No | XXX | 2 |  | 0 | 0 | 3 | 3 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No | No | XXX | XXX | XXX |
| XXX | 3560077466 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 1.7 | DU |  | XXX | N/A | No | XXX | 0 | 2 | 1 | 0 | 3 | 2 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX |  | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No | XXX | XXX | XXX |
| XXX | 3559041001 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Account Transcripts - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Account Transcripts - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 1.9 | DU |  | XXX | N/A | No | XXX | 1 |  | 0 | 0 | 3 | 2 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No | XXX | XXX | XXX |
| XXX | 3559084426 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen | Permanent Resident Alien |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 1 | DU |  | XXX | N/A | No | XXX | 1 | 2 | 0 | 0 | 3 | 3 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | XXX |  | No | No | XXX | XXX | XXX |
| XXX | 3559320806 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Pension]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Paystubs - 2025<br> [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025 | [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; Transcripts (1040) - 2021 | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 4.9 | DU |  | XXX | N/A | No | XXX | 0 |  | 0 | 0 | 3 | 3 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | Yes | No | XXX | XXX | XXX |
| XXX | 3559388007 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 2.5 | DU |  | XXX | N/A | No | XXX | 2 |  | 1 | 0 | 3 | 2 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | XXX |  |  | No | XXX | XXX | XXX |
| XXX | 3559397367 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Projected Income]; VVOE - 2025<br> [Borrower - \| Primary Income - Projected Income]; Employer Letter - 2024<br> [Borrower - \| Primary Income - Projected Income]; Employment Contract - 2024 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 1.6 | DU |  | XXX | N/A | No | XXX | 0 |  | 2 | 0 | 3 | 3 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No | No | XXX | XXX | XXX |
| XXX | 3559893464 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 1 | DU |  | XXX | N/A | No | XXX | 2 | 1 | 0 | 0 | 3 | 3 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No | XXX | XXX | XXX |
| XXX | 3557614729 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; Account Statements - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 1 | DU |  | XXX | N/A | No | XXX | 0 | 1 | 0 | 0 | 3 | 3 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No | No | XXX | XXX | XXX |
| XXX | 3557873443 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; VVOE - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; WVOE - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Paystubs - 2024<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - K-1 (< 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2022<br> [Borrower - \| Primary Income - K-1 (< 25%)]; W-2 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 1 | DU |  | XXX | N/A | No | XXX | 2 | 0 | 2 | 0 | 3 | 3 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No | 25 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX | Retail | No | No | XXX | XXX | XXX |
| XXX | 3559229019 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022<br> [Borrower - \| Primary Income - Note Receivable]; Other - 2025<br> [Borrower - \| Primary Income - Note Receivable]; Note - 2021<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022<br> [Coborrower(s) - \| Primary Income - Note Receivable]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Note Receivable]; Note - 2021 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 3.8 | DU |  | XXX | N/A | No | XXX | 0 | 0 | 2 | 0 | 3 | 3 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No | No | XXX | XXX | XXX |
| XXX | 3559344641 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 1 | DU |  | XXX | N/A | No | XXX | 2 | 2 | 0 | 0 | 3 | 3 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX |  | No |  | 14 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No | XXX | XXX | XXX |
| XXX | 3559714421 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 1.8 | DU |  | XXX | N/A | No | XXX | 2 | 2 | 1 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No | No | XXX | XXX | XXX |
| XXX | 3558255133 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Account Transcripts - 2023<br> [Borrower]; Transcripts (1040) - No Results Returned - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Account Transcripts - 2023<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 1.2 | DU |  | XXX | N/A | No | XXX | 2 | 0 | 1 | 0 | 3 | 3 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | Beacon 5 | FICO Risk Score Classic 04 |  | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No | XXX | XXX | XXX |
| XXX | 3558370126 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 1.9 | DU |  | XXX | N/A | No | XXX | 2 | 2 | 1 | 0 | 3 | 2 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | XXX |  | Yes | No | XXX | XXX | XXX |
| XXX | 3559276559 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 1 | DU |  | XXX | N/A | No | XXX | 1 | 0 | 1 | 0 | 3 | 3 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX |  | No | 15 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  | No | No | XXX | XXX | XXX |
| XXX | 3559430332 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 3.1 | DU |  | XXX | N/A | No | XXX | 0 |  | 2 | 0 | 3 | 3 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  | No | No | XXX | XXX | XXX |
| XXX | 3559444447 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2024<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2023<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 3.5 | DU |  | XXX | N/A | No | XXX | 2 |  | 1 | 0 | 3 | 3 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No | No | XXX | XXX | XXX |
| XXX | 3559855928 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 1.3 | DU |  | XXX | N/A | No | XXX | 2 | 1 | 1 | 0 | 3 | 3 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No | No | XXX | XXX | XXX |
| XXX | 3559929646 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 3.5 | DU |  | XXX | N/A | No | XXX | 2 | 1 | 0 | 0 | 3 | 3 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No | No | XXX | XXX | XXX |
| XXX | 3560383817 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 1 | DU |  | XXX | N/A | No | XXX | 2 | 2 | 0 | 0 | 3 | 3 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No | 25 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | XXX |  | No | No | XXX | XXX | XXX |
| XXX | 3555627178 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - C-Corp]; Paystubs - 2025<br> [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - C-Corp]; Paystubs - 2024<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2024<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2023<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 5 | DU |  | XXX | N/A | No | XXX | 2 |  | 1 | 0 | 3 | 3 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  | No | No | XXX | XXX | XXX |
| XXX | 3558505661 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Projected Income]; Contract - 2025<br> [Borrower - \| Primary Income - Projected Income]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Projected Income]; VVOE - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 2 | DU |  | XXX | N/A | No | XXX | 0 |  | 0 | 0 | 3 | 3 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | Yes | No | XXX | XXX | XXX |
| XXX | 3559337511 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 5 | DU |  | XXX | N/A | No | XXX | 3 | 3 | 2 | 0 | 3 | 3 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  | No | No | XXX | XXX | XXX |
| XXX | 3559686365 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 2.6 | DU |  | XXX | N/A | No | XXX | 0 |  | 2 | 0 | 3 | 3 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No | No | XXX | XXX | XXX |

---

![](tm2516936d1_ex99-9img01.jpg)

**ASF**

**Run Date - 5/30/2025 8:41:48 AM**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Primary Servicer** | **Servicing Fee Percentage** | **Servicing Fee Flat Dollar** | **Servicing Advance Methodology** | **Originator** | **Loan Group** | **Loan Number** | **Amortization Type** | **Lien Position** | **Heloc Indicator** | **Loan Purpose** | **Cash Out Amount** | **Total Origination and Discount Points in Dollars** | **Covered High Cost Loan Indicator** | **Relocation Loan Indicator** | **Broker Indicator** | **Channel** | **Escrow Indicator** | **Senior Loan Amounts** | **Loan Type of Most Senior Lien** | **Hybrid Period of Most Senior Lien in Months** | **Neg Am Limit of Most Senior Lien** | **Junior Mortgage Balance** | **Origination Date of Most Senior Lien** | **Origination Date** | **Original Loan Amount** | **Original Interest Rate** | **Original Amortization Term** | **Original Term to Maturity** | **First Payment Date of Loan** | **Interest Type Indicator** | **Original Interest Only Term** | **Buy Down Period** | **HELOC Draw Period** | **Current Loan Amount** | **Current Interest Rate** | **Current Payment Amount Due** | **Interest Paid Through Date** | **Current Payment Status** | **Index Type** | **ARM Look Back Days** | **Gross Margin** | **ARM Round Flag** | **ARM Rounding Factor** | **Initial Fixed Rate Period** | **Initial Interest Rate Cap Change Up** | **Initial Interest Rate Cap Change Down** | **Subsequent Interest Rate Reset Period** | **Subsequent Interest Rate Change Down** | **Subsequent Interest Rate Change Up** | **Lifetime Maximum Rate Ceiling** | **Lifetime Minimum Rate Floor** | **Negative Amortization Limit** | **Initial Negative Amortization Recast Period** | **Subsequent Negative Amortization Recast Period** | **Initial Fixed Payment Period** | **Subsequent Payment Reset Period** | **Initial Periodic Payment Cap** | **Subsequent Periodic Payment Cap** | **Initial Minimum Payment Reset Period** | **Subsequent Minimum Payment Reset Period** | **Option ARM Indicator** | **Options at Recast** | **Initial Minimum Payment** | **Current Minimum Payment** | **Prepayment Penalty Calculation** | **Prepayment Penalty Type** | **Prepayment Penalty Total Term** | **Prepayment Penalty Hard Term** | **Primary Borrower ID** | **Number of Mortgaged Properties** | **Total Number of Borrowers** | **Self Employment Flag** | **Current Other Monthly Payment** | **Length of Employment Borrower** | **Length of Employment Co Borrower** | **Years in Home** | **FICO Model Used** | **Most Recent FICO Date** | **Primary Wage Earner Original FICO Equifax** | **Primary Wage Earner Original FICO Experian** | **Primary Wage Earner Original FICO Transunion** | **Secondary Wage Earner Original FICO Equifax** | **Secondary Wage Earner Original FICO Experian** | **Secondary Wage Earner Original FICO Transunion** | **Most Recent Primary Borrower FICO** | **Most Recent Co Borrower FICO** | **Most Recent FICO Method** | **Vantagescore Primary Borrower** | **Vantagescore Co Borrower** | **Most Recent Vantagescore Method** | **Vantagescore Date** | **Credit Report Longest Trade Line** | **Credit Report Maximum Trade Line** | **Credit Report Number of Trade Lines** | **Credit Line Usage Ratio** | **Most Recent 12 Month Pay History** | **Months Bankruptcy** | **Months Foreclosure** | **Primary Borrower Wage Income** | **Co Borrower Wage Income** | **Primary Borrower Other Income** | **Co Borrower Other Income** | **All Borrower Wage Income** | **All Borrower Total Income** | **4506T Indicator** | **Borrower Income Verification Level** | **Co Borrower Income Verification Level** | **Borrower Employment Verification Level** | **Co Borrower Employment Verification Level** | **Borrower Asset Verification Level** | **Co Borrower Asset Verification Level** | **Liquid Cash Reserves** | **Monthly Debt All Borrowers** | **Originator DTI** | **Fully Indexed Rate** | **Qualification Method** | **Percentage of Down Payment From Borrower Own Funds** | **City** | **State** | **Postal Code** | **Property Type** | **Occupancy** | **Sales Price** | **Original Appraised Property Value** | **Original Property Valuation Type** | **Original Property Valuation Date** | **Original Automated Valuation Model AVM Model Name** | **Original AVM Confidence Score** | **Most Recent Property Value** | **Most Recent Property Valuation Type** | **Most Recent Property Valuation Date** | **Most Recent AVM Model Name** | **Most Recent AVM Confidence Score** | **Original CLTV** | **Original LTV** | **Original Pledged Assets** | **Mortgage Insurance Company Name** | **Mortgage Insurance Percent** | **MI Lender or Borrower Paid** | **Pool Insurance Co Name** | **Pool Insurance Stop Loss Percent** | **MI Certificate Number** | **Updated DTI Front End** | **Updated DTI Back End** | **Modification Effective Payment Date** | **Total Capitalized Amount** | **Total Deferred Amount** | **Pre Modification Interest Note Rate** | **Pre Modification P&I Payment** | **Pre Modification Initial Interest Rate Change Downward Cap** | **Pre Modification Subsequent Interest Rate Cap** | **Pre Modification Next Interest Rate Change Date** | **Pre Modification IO Term** | **Forgiven Principal Amount** | **Forgiven Interest Amount** | **Number of Modifications** | **Real Estate Interest** | **Community Ownership Structure** | **Year of Manufacture** | **HUD Code Compliance Indicator Y/N** | **Gross Manufacturers Invoice Price** | **LTI Loan to Invoice Gross** | **Net Manufacturers Invoice Price** | **LTI Net** | **Manufacturer Name** | **Model Name** | **Down Payment Source** | **Community Related Party Lender Y/N** | **Defined Underwriting Criteria Y/N** | **Chattel Indicator** |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXX | 1 | 1 | 0 | 3 | XXX | XXX | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXX | 1 | 1 | XXX | XXX |  | XXX | 1 |  | XXX | XXX | XXX |  |  |  | XXX |  | 3 |  |  |  |  | XXX | XXX | XXX | XXX | XXXXXXXXXXXX |  |  | XXX |  | XXX |  | XXX | XXX | 1 | 4 |  | 3 |  | 4 |  | XXX | XXX | XXX |  | 1 |  |  | XXX |  | 7 | 1 |  | XXX | 3 |  | 0 |  | XXX | 9 |  | 0 |  | XXX | XXX | XXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXX | 1 | 1 | 0 | 7 | XXX | XXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXX | 4 | 0 | XXX | XXX | XXX |  | 1 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  | XXX | XXX | XXX | XXX | XXXXXXXXXXXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 5 | 5 | 3 | 1 | 2 | 2 | XXX | XXX | XXX |  | 1 | XXX |  | XXX |  | 1 | 1 |  | XXX | 3 |  | 0 |  |  |  |  | 0 |  | XXX | XXX | XXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXX | 1 | 1 | 0 | 7 | XXX | XXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXX | 2 | 0 | XXX | XXX | XXX |  | 1 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  | XXX | XXX | XXX | XXX | XXXXXXXXXXXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 5 | 5 | 1 | 3 | 3 | 3 | XXX | XXX | XXX |  | 1 | XXX |  | XXX |  | 3 | 1 |  | XXX | 3 |  | 0 |  |  |  |  | 0 |  | XXX | XXX | XXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXX | 1 | 1 | 0 | 6 | XXX | XXX | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXX | 1 | 0 | XXX | XXX |  |  | 1 |  | XXX | XXX | XXX |  |  |  | XXX |  | 3 |  |  |  |  | XXX | XXX | XXX | XXX | XXXXXXXXXXXX |  |  | XXX |  | XXX |  | XXX | XXX | 1 | 5 |  | 3 |  | 4 |  | XXX | XXX | XXX |  | 1 | XXX |  | XXX |  | 7 | 1 |  | XXX | 3 |  | 0 |  | XXX | 9 |  | 0 |  | XXX | XXX | XXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXX | 1 | 1 | 0 | 7 | XXX | XXX | 0 | 0 | 0 | 5 | 0 |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXX | 2 | 0 | XXX | XXX | XXX |  | 1 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  | XXX | XXX | XXX | XXX | XXXXXXXXXXXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 5 | 1 | 3 | 1 | 4 | 4 | XXX | XXX | XXX |  | 1 | XXX |  | XXX |  | 3 | 2 |  | XXX | 3 |  | 0 |  |  |  |  | 0 |  | XXX | XXX | XXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXX | 1 | 1 | 0 | 7 | XXX | XXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXX | 2 | 0 | XXX | XXX | XXX |  | 1 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  | XXX | XXX | XXX | XXX | XXXXXXXXXXXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXX | XXX | XXX |  | 1 | XXX |  | XXX |  | 7 | 1 |  | XXX | 3 |  | 0 |  | XXX | 9 |  | 0 |  | XXX | XXX | XXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXX | 1 | 1 | 0 | 3 | XXX | XXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXX | 2 | 0 | XXX | XXX | XXX | XXX | 1 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 2 |  |  |  |  | XXX | XXX | XXX | XXX | XXXXXXXXXXXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 5 | 1 | 3 | 1 | 4 | 1 | XXX | XXX | XXX |  | 1 |  |  | XXX |  | 7 | 1 |  | XXX | 3 |  | 0 |  | XXX | 7 |  | 21 | 0.100000 | XXX | XXX | XXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXX | 1 | 1 | 0 | 7 | XXX | XXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXX | 2 | 0 | XXX | XXX | XXX |  | 1 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  | XXX | XXX | XXX | XXX | XXXXXXXXXXXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 5 | 5 | 3 | 3 | 3 | 1 | XXX | XXX | XXX |  | 1 | XXX |  | XXX |  | 1 | 1 |  | XXX | 3 |  | 0 |  |  |  |  | 0 |  | XXX | XXX | XXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXX | 1 | 1 | 0 | 6 | XXX | XXX | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXX | 1 | 0 | XXX | XXX |  |  | 1 |  | XXX | XXX | XXX |  |  |  | XXX |  | 3 |  |  |  |  | XXX | XXX | XXX | XXX | XXXXXXXXXXXX |  |  | XXX |  | XXX |  | XXX | XXX | 1 | 5 |  | 1 |  | 4 |  | XXX | XXX | XXX |  | 1 | XXX |  | XXX |  | 1 | 1 |  | XXX | 3 |  | 0 |  | XXX | 9 |  | 0 |  | XXX | XXX | XXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXX | 1 | 1 | 0 | 6 | XXX | XXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXX | 2 | 0 | XXX | XXX | XXX |  | 1 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  | XXX | XXX | XXX | XXX | XXXXXXXXXXXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXX | XXX | XXX |  | 1 | XXX |  | XXX |  | 7 | 1 |  | XXX | 3 |  | 0 |  |  |  |  | 0 |  | XXX | XXX | XXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXX | 1 | 1 | 0 | 7 | XXX | XXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXX | 1 | 0 | XXX | XXX |  |  | 1 |  | XXX | XXX | XXX |  |  |  | XXX |  | 3 |  |  |  |  | XXX | XXX | XXX | XXX | XXXXXXXXXXXX |  |  | XXX |  | XXX |  | XXX | XXX | 1 | 5 |  | 3 |  | 4 |  | XXX | XXX | XXX |  | 1 | XXX |  | XXX |  | 3 | 1 |  | XXX | 3 |  | 0 |  |  |  |  | 0 |  | XXX | XXX | XXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXX | 1 | 1 | 0 | 7 | XXX | XXX | 0 | 0 | 0 | 5 | 4 |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXX | 2 | 1 | XXX | XXX | XXX |  | 1 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  | XXX | XXX | XXX | XXX | XXXXXXXXXXXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 5 | 5 | 3 | 3 | 2 | 2 | XXX | XXX | XXX |  | 1 | XXX |  | XXX |  | 1 | 1 |  | XXX | 3 |  | 0 |  |  |  |  | 0 |  | XXX | XXX | XXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXX | 1 | 1 | 0 | 7 | XXX | XXX | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXX | 1 | 0 | XXX | XXX |  |  | 1 |  | XXX | XXX | XXX |  |  |  | XXX |  | 3 |  |  |  |  | XXX | XXX | XXX | XXX | XXXXXXXXXXXX |  |  | XXX |  | XXX |  | XXX | XXX | 1 | 5 |  | 3 |  | 4 |  | XXX | XXX | XXX |  | 1 | XXX |  | XXX |  | 7 | 1 |  | XXX | 3 |  | 0 |  |  |  |  | 0 |  | XXX | XXX | XXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXX | 1 | 1 | 0 | 9 | XXX | XXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXX | 1 | 0 | XXX | XXX |  | XXX | 1 |  | XXX | XXX | XXX |  |  |  | XXX |  | 3 |  |  |  |  | XXX | XXX | XXX | XXX | XXXXXXXXXXXX |  |  | XXX |  | XXX |  | XXX | XXX | 1 | 5 |  | 3 |  | 4 |  | XXX | XXX | XXX |  | 1 |  |  | XXX |  | 7 | 1 |  | XXX | 3 |  | 0 |  |  |  |  | 0 |  | XXX | XXX | XXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXX | 1 | 1 | 0 | 7 | XXX | XXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXX | 2 | 0 | XXX | XXX | XXX |  | 1 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  | XXX | XXX | XXX | XXX | XXXXXXXXXXXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXX | XXX | XXX |  | 1 | XXX |  | XXX |  | 7 | 1 |  | XXX | 3 |  | 0 |  |  |  |  | 0 |  | XXX | XXX | XXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXX | 1 | 1 | 0 | 7 | XXX | XXX | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXX | 2 | 0 | XXX | XXX | XXX |  | 1 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  | XXX | XXX | XXX | XXX | XXXXXXXXXXXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 1 | 5 | 1 | 1 | 3 | 1 | XXX | XXX | XXX |  | 1 | XXX |  | XXX |  | 1 | 2 |  | XXX | 3 |  | 0 |  | XXX | 9 |  | 0 |  | XXX | XXX | XXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXX | 1 | 1 | 0 | 9 | XXX | XXX | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXX | 2 | 0 | XXX | XXX | XXX | XXX | 1 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  | XXX | XXX | XXX | XXX | XXXXXXXXXXXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 5 | 1 | 3 | 1 | 4 | 1 | XXX | XXX | XXX |  | 1 |  |  | XXX |  | 1 | 1 |  | XXX | 3 |  | 0 |  |  |  |  | 0 |  | XXX | XXX | XXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXX | 1 | 1 | 0 | 9 | XXX | XXX | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXX | 2 | 0 | XXX | XXX | XXX | XXX | 1 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  | XXX | XXX | XXX | XXX | XXXXXXXXXXXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXX | XXX | XXX |  | 1 |  |  | XXX |  | 1 | 1 |  | XXX | 3 |  | 0 |  |  |  |  | 0 |  | XXX | XXX | XXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXX | 1 | 1 | 0 | 9 | XXX | XXX | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXX | 1 | 1 | XXX | XXX |  | XXX | 1 |  | XXX | XXX | XXX |  |  |  | XXX |  | 3 |  |  |  |  | XXX | XXX | XXX | XXX | XXXXXXXXXXXX |  |  | XXX |  | XXX |  | XXX | XXX | 1 | 4 |  | 3 |  | 4 |  | XXX | XXX | XXX |  | 1 |  |  | XXX |  | 7 | 1 |  | XXX | 3 |  | 0 |  |  |  |  | 0 |  | XXX | XXX | XXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXX | 1 | 1 | 0 | 7 | XXX | XXX | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXX | 1 | 0 | XXX | XXX |  |  | 1 |  | XXX | XXX | XXX |  |  |  | XXX |  | 3 |  |  |  |  | XXX | XXX | XXX | XXX | XXXXXXXXXXXX |  |  | XXX |  | XXX |  | XXX | XXX | 1 | 5 |  | 1 |  | 4 |  | XXX | XXX | XXX |  | 1 | XXX |  | XXX |  | 7 | 1 |  | XXX | 3 |  | 0 |  | XXX | 9 |  | 0 |  | XXX | XXX | XXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXX | 1 | 1 | 0 | 9 | XXX | XXX | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXX | 2 | 0 | XXX | XXX | XXX | XXX | 1 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  | XXX | XXX | XXX | XXX | XXXXXXXXXXXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 5 | 5 | 3 | 3 | 1 | 4 | XXX | XXX | XXX |  | 1 |  |  | XXX |  | 7 | 1 |  | XXX | 3 |  | 0 |  |  |  |  | 0 |  | XXX | XXX | XXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXX | 1 | 1 | 0 | 3 | XXX | XXX | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXX | 2 | 1 | XXX | XXX | XXX | XXX | 1 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  | XXX | XXX | XXX | XXX | XXXXXXXXXXXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 5 | 5 | 3 | 3 | 3 | 4 | XXX | XXX | XXX |  | 1 |  |  | XXX |  | 1 | 1 |  | XXX | 3 |  | 0 |  | XXX | 9 |  | 0 |  | XXX | XXX | XXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXX | 1 | 1 | 0 | 9 | XXX | XXX | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXX | 2 | 0 | XXX | XXX | XXX | XXX | 1 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  | XXX | XXX | XXX | XXX | XXXXXXXXXXXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 5 | 5 | 3 | 3 | 3 | 3 | XXX | XXX | XXX |  | 1 |  |  | XXX |  | 1 | 1 |  | XXX | 3 |  | 0 |  |  |  |  | 0 |  | XXX | XXX | XXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXX | 1 | 1 | 0 | 9 | XXX | XXX | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXX | 1 | 0 | XXX | XXX |  | XXX | 1 |  | XXX | XXX | XXX |  |  |  | XXX |  | 3 |  |  |  |  | XXX | XXX | XXX | XXX | XXXXXXXXXXXX |  |  | XXX |  | XXX |  | XXX | XXX | 1 | 5 |  | 3 |  | 4 |  | XXX | XXX | XXX |  | 1 |  |  | XXX |  | 1 | 1 |  | XXX | 3 |  | 0 |  |  |  |  | 0 |  | XXX | XXX | XXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXX | 1 | 1 | 0 | 9 | XXX | XXX | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXX | 1 | 0 | XXX | XXX |  | XXX | 1 |  | XXX | XXX | XXX |  |  |  | XXX |  | 3 |  |  |  |  | XXX | XXX | XXX | XXX | XXXXXXXXXXXX |  |  | XXX |  | XXX |  | XXX | XXX | 1 | 5 |  | 3 |  | 4 |  | XXX | XXX | XXX |  | 1 |  |  | XXX |  | 1 | 1 |  | XXX | 3 |  | 0 |  |  |  |  | 0 |  | XXX | XXX | XXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXX | 1 | 1 | 0 | 7 | XXX | XXX | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXX | 1 | 0 | XXX | XXX |  |  | 1 |  | XXX | XXX | XXX |  |  |  | XXX |  | 3 |  |  |  |  | XXX | XXX | XXX | XXX | XXXXXXXXXXXX |  |  | XXX |  | XXX |  | XXX | XXX | 1 | 5 |  | 3 |  | 4 |  | XXX | XXX | XXX |  | 1 | XXX |  | XXX |  | 1 | 1 |  | XXX | 3 |  | 0 |  |  |  |  | 0 |  | XXX | XXX | XXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXX | 1 | 1 | 0 | 6 | XXX | XXX | 0 | 0 | 0 | 5 | 4 |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXX | 2 | 0 | XXX | XXX | XXX |  | 1 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  | XXX | XXX | XXX | XXX | XXXXXXXXXXXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXX | XXX | XXX |  | 1 | XXX |  | XXX |  | 7 | 1 |  | XXX | 3 |  | 0 |  |  |  |  | 0 |  | XXX | XXX | XXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXX | 1 | 1 | 0 | 3 | XXX | XXX | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXX | 1 | 1 | XXX | XXX |  | XXX | 1 |  | XXX | XXX | XXX |  |  |  | XXX |  | 3 |  |  |  |  | XXX | XXX | XXX | XXX | XXXXXXXXXXXX |  |  | XXX |  | XXX |  | XXX | XXX | 1 | 5 |  | 3 |  | 4 |  | XXX | XXX | XXX |  | 1 |  |  | XXX |  | 7 | 1 |  | XXX | 3 |  | 0 |  | XXX | 9 |  | 0 |  | XXX | XXX | XXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXX | 1 | 1 | 0 | 7 | XXX | XXX | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXX | 1 | 1 | XXX | XXX |  |  | 1 |  | XXX | XXX | XXX |  |  |  | XXX |  | 3 |  |  |  |  | XXX | XXX | XXX | XXX | XXXXXXXXXXXX |  |  | XXX |  | XXX |  | XXX | XXX | 1 | 4 |  | 3 |  | 4 |  | XXX | XXX | XXX |  | 1 | XXX |  | XXX |  | 7 | 2 |  | XXX | 3 |  | 0 |  | XXX | 9 |  | 0 |  | XXX | XXX | XXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXX | 1 | 1 | 0 | 7 | XXX | XXX | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXX | 1 | 1 | XXX | XXX |  |  | 1 |  | XXX | XXX | XXX |  |  |  | XXX |  | 3 |  |  |  |  | XXX | XXX | XXX | XXX | XXXXXXXXXXXX |  |  | XXX |  | XXX |  | XXX | XXX | 1 | 5 |  | 3 |  | 4 |  | XXX | XXX | XXX |  | 1 | XXX |  | XXX |  | 7 | 1 |  | XXX | 3 |  | 0 |  | XXX | 9 |  | 0 |  | XXX | XXX | XXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXX | 1 | 1 | 0 | 7 | XXX | XXX | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXX | 2 | 1 | XXX | XXX | XXX |  | 1 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  | XXX | XXX | XXX | XXX | XXXXXXXXXXXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 4 | 5 | 3 | 3 | 4 | 4 | XXX | XXX | XXX |  | 1 | XXX |  | XXX |  | 1 | 1 |  | XXX | 3 |  | 0 |  |  |  |  | 0 |  | XXX | XXX | XXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXX | 1 | 1 | 0 | 7 | XXX | XXX | 0 | 0 | 0 | 1 | 1 |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXX | 2 | 0 | XXX | XXX | XXX |  | 1 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  | XXX | XXX | XXX | XXX | XXXXXXXXXXXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXX | XXX | XXX |  | 1 | XXX |  | XXX |  | 3 | 1 |  | XXX | 3 |  | 0 |  | XXX | 3 |  | 0 |  | XXX | XXX | XXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXX | 1 | 1 | 0 | 7 | XXX | XXX | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXX | 2 | 0 | XXX | XXX | XXX |  | 1 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  | XXX | XXX | XXX | XXX | XXXXXXXXXXXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 5 | 5 | 3 | 3 | 4 | 1 | XXX | XXX | XXX |  | 1 | XXX |  | XXX |  | 7 | 1 |  | XXX | 3 |  | 0 |  |  |  |  | 0 |  | XXX | XXX | XXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXX | 1 | 1 | 0 | 3 | XXX | XXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXX | 2 | 0 | XXX | XXX | XXX | XXX | 1 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  | XXX | XXX | XXX | XXX | XXXXXXXXXXXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXX | XXX | XXX |  | 1 |  |  | XXX |  | 1 | 1 |  | XXX | 3 |  | 0 |  |  |  |  | 0 |  | XXX | XXX | XXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXX | 1 | 1 | 0 | 7 | XXX | XXX | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXX | 2 | 0 | XXX | XXX | XXX |  | 1 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  | XXX | XXX | XXX | XXX | XXXXXXXXXXXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 5 | 5 | 3 | 3 | 3 | 4 | XXX | XXX | XXX |  | 1 | XXX |  | XXX |  | 1 | 1 |  | XXX | 3 |  | 0 |  | XXX | 9 |  | 0 |  | XXX | XXX | XXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXX | 1 | 1 | 0 | 7 | XXX | XXX | 0 | 0 | 0 | 1 | 1 |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXX | 1 | 0 | XXX | XXX |  |  | 1 |  | XXX | XXX | XXX |  |  |  | XXX |  | 3 |  |  |  |  | XXX | XXX | XXX | XXX | XXXXXXXXXXXX |  |  | XXX |  | XXX |  | XXX | XXX | 1 | 5 |  | 3 |  | 4 |  | XXX | XXX | XXX |  | 1 | XXX |  | XXX |  | 7 | 1 |  | XXX | 3 |  | 0 |  | XXX | 9 |  | 0 |  | XXX | XXX | XXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXX | 1 | 1 | 0 | 7 | XXX | XXX | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXX | 2 | 0 | XXX | XXX | XXX |  | 1 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  | XXX | XXX | XXX | XXX | XXXXXXXXXXXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXX | XXX | XXX |  | 1 | XXX |  | XXX |  | 1 | 1 |  | XXX | 3 |  | 0 |  | XXX | 9 |  | 0 |  | XXX | XXX | XXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXX | 1 | 1 | 0 | 3 | XXX | XXX | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXX | 2 | 0 | XXX | XXX | XXX | XXX | 1 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 2 |  |  |  |  | XXX | XXX | XXX | XXX | XXXXXXXXXXXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXX | XXX | XXX |  | 1 |  |  | XXX |  | 7 | 1 |  | XXX | 3 |  | 0 |  |  |  |  | 0 |  | XXX | XXX | XXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXX | 1 | 1 | 0 | 7 | XXX | XXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXX | 1 | 0 | XXX | XXX |  |  | 1 |  | XXX | XXX | XXX |  |  |  | XXX |  | 3 |  |  |  |  | XXX | XXX | XXX | XXX | XXXXXXXXXXXX |  |  | XXX |  | XXX |  | XXX | XXX | 1 | 5 |  | 3 |  | 4 |  | XXX | XXX | XXX |  | 1 | XXX |  | XXX |  | 1 | 1 |  | XXX | 3 |  | 0 |  | XXX | 9 |  | 0 |  | XXX | XXX | XXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXX | 1 | 1 | 0 | 7 | XXX | XXX | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXX | 2 | 0 | XXX | XXX | XXX |  | 1 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  | XXX | XXX | XXX | XXX | XXXXXXXXXXXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXX | XXX | XXX |  | 1 | XXX |  | XXX |  | 7 | 1 |  | XXX | 3 |  | 0 |  |  |  |  | 0 |  | XXX | XXX | XXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.10

---

| | |
|:---|:---|
| **EXHIBIT 99.10** | **CONSOLIDATED ANALYTICS, INC ("CONSOLIDATED ANALYTICS") EXECUTIVE SUMMARY** |

---

![](tm2516936d1_ex99-10img001.jpg)

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

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on newly originated residential mortgage loans acquired by Redwood Residential Acquisition Corporation. The review included a total of 97 newly originated residential mortgage loans, in connection with the securitization identified as SEMT 2025-6 (the "Securitization"). The Review was conducted from March 2025 through May 2025 on mortgage loans originated between April 2023 and May 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;&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;&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;&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;&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;&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;&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;&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;

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;

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

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

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 HighCost 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 guideline from the seller, CDA's were ordered on loans that had an acceptable CU score or R&W eligibility.

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

For loans reviewed in a post-close valuation review scenario (97 loans in total):

Nine (9) loans had a Secondary Appraisal, one (1) loan had an AVM, and seventy-three (73) loans had a Desktop Review.

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

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

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

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the ninety-seven (97) mortgage loans reviewed, seventy (70) unique mortgage loans (72.16% by loan count) had a total of one hundred forty-six (146) discrepancies across twenty-one (21) 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** | **Discrepancy<br> Count** | **Percentage** |
| &nbsp;&nbsp;Originator DTI | 28 | 19.18% |
| &nbsp;&nbsp;Escrow Flag | 27 | 18.49% |
| &nbsp;&nbsp;Qualifying FICO | 15 | 10.27% |
| &nbsp;&nbsp;Property Value | 13 | 8.90% |
| &nbsp;&nbsp;Qualifying CLTV | 12 | 8.22% |
| &nbsp;&nbsp;Qualifying LTV | 8 | 5.48% |
| &nbsp;&nbsp;Cash Out Amount | 8 | 5.48% |
| &nbsp;&nbsp;Subject Property Type | 8 | 5.48% |
| &nbsp;&nbsp;Refinance Purpose | 5 | 3.42% |
| &nbsp;&nbsp;Borrower 1 Last Name | 5 | 3.42% |
| &nbsp;&nbsp;Lock Date | 4 | 2.74% |
| &nbsp;&nbsp;Property Address | 3 | 2.05% |
| &nbsp;&nbsp;Original Loan Amount | 2 | 1.37% |
| &nbsp;&nbsp;Borrower 2 First Name | 1 | 0.68% |
| &nbsp;&nbsp;Borrower 1 SSN | 1 | 0.68% |
| &nbsp;&nbsp;Property Attachment Type | 1 | 0.68% |
| &nbsp;&nbsp;Sales Price | 1 | 0.68% |
| &nbsp;&nbsp;Borrower 2 SSN | 1 | 0.68% |
| &nbsp;&nbsp;Borrower 2 Last Name | 1 | 0.68% |
| &nbsp;&nbsp;Property Zip Code | 1 | 0.68% |
| &nbsp;&nbsp;Borrower 1 First Name | 1 | 0.68% |
| &nbsp;&nbsp;**Grand Total** | **146** | **100.00%** |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY**

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 59 | $67529383.00 | 60.82% |
| Event Grade B | 38 | $37236856.00 | 39.18% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 97 | $104766239.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 73 | 75.26% |
| Event Grade B | 24 | 24.74% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 97 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results:** | **Compliance Results:** | **Compliance Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 81 | 83.51% |
| Event Grade B | 16 | 16.49% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 97 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 93 | 95.88% |
| Event Grade B | 4 | 4.12% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 97 | 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<br> Type | &nbsp;&nbsp;Exception<br> Level<br> Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
|  | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;28 |
|  | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Photo Identification not provided | &nbsp;&nbsp;17 |
|  | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Citizenship Documentation not provided | &nbsp;&nbsp;15 |
|  | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 2 Photo Identification not provided | &nbsp;&nbsp;13 |
|  | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 2 Citizenship Documentation not provided | &nbsp;&nbsp;10 |
|  | &nbsp;&nbsp;A | &nbsp;&nbsp;The Total Hazard Coverage is LESS than the Required Coverage Amount | &nbsp;&nbsp;7 |
|  | &nbsp;&nbsp;A | &nbsp;&nbsp;ATR: Reasonable Income or Assets Not Considered | &nbsp;&nbsp;6 |
|  | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Fraud Report not Provided | &nbsp;&nbsp;5 |
|  | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing verification of taxes, insurance, and/or HOA fees for non-subject property | &nbsp;&nbsp;5 |
|  | &nbsp;&nbsp;A | &nbsp;&nbsp;OFAC Check Not Completed and/or Cleared | &nbsp;&nbsp;4 |
|  | &nbsp;&nbsp;A | &nbsp;&nbsp;All Interested Parties Not Checked with Exclusionary Lists | &nbsp;&nbsp;4 |
|  | &nbsp;&nbsp;A | &nbsp;&nbsp;AUS Partially Provided | &nbsp;&nbsp;3 |
|  | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;3 |
|  | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Credit Report is Missing | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing VOM or VOR | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited FICO is less than AUS FICO | &nbsp;&nbsp;2 |

---

---

| | | |
|:---|:---|:---|
| <br>Credit | &nbsp;&nbsp;Borrower 1 W2/1099 Missing | &nbsp;&nbsp;2 |
| <br>Credit | &nbsp;&nbsp;AUS Not Provided | &nbsp;&nbsp;2 |
| <br>Credit | &nbsp;&nbsp;Asset Qualification Does Not Meet Guideline Requirements | &nbsp;&nbsp;2 |
| <br>Credit | &nbsp;&nbsp;Borrower 1 Business Tax Returns Missing | &nbsp;&nbsp;2 |
| <br>Credit | &nbsp;&nbsp;Audited DTI Exceeds AUS DTI | &nbsp;&nbsp;2 |
| <br>Credit | &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;2 |
| <br>Credit | &nbsp;&nbsp;Subordination Agreement is Missing | &nbsp;&nbsp;1 |
| <br>Credit | &nbsp;&nbsp;Borrower 1 Paystubs Missing | &nbsp;&nbsp;1 |
| <br>Credit | &nbsp;&nbsp;Verification of Borrower Liabilities Missing or Incomplete | &nbsp;&nbsp;1 |
| <br>Credit | &nbsp;&nbsp;HELOC Closure Letter Missing | &nbsp;&nbsp;1 |
| <br>Credit | &nbsp;&nbsp;Borrower 2 Paystubs Missing | &nbsp;&nbsp;1 |
| <br>Credit | &nbsp;&nbsp;HO6 Master Insurance Policy is Missing | &nbsp;&nbsp;1 |
| <br>Credit | &nbsp;&nbsp;The Deed of Trust is Missing | &nbsp;&nbsp;1 |
| <br>Credit | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| <br>Credit | &nbsp;&nbsp;Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | &nbsp;&nbsp;1 |
| <br>Credit | &nbsp;&nbsp;ATR: Current Employment Not Verified | &nbsp;&nbsp;1 |
| <br>Credit | &nbsp;&nbsp;Asset 2 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| <br>Credit | &nbsp;&nbsp;Loan does not conform to program guidelines | &nbsp;&nbsp;1 |
| <br>Credit | &nbsp;&nbsp;PUD Rider is Missing | &nbsp;&nbsp;1 |
| <br>Credit | &nbsp;&nbsp;Missing Credit Report Supplement | &nbsp;&nbsp;1 |
| <br>Credit | &nbsp;&nbsp;The Deed of Trust is Incomplete | &nbsp;&nbsp;1 |
| <br>Credit | &nbsp;&nbsp;Missing Divorce Decree | &nbsp;&nbsp;1 |
| <br>Credit | &nbsp;&nbsp;Borrower 1 Personal Tax Returns Missing | &nbsp;&nbsp;1 |
| <br>Credit | &nbsp;&nbsp;Missing explanation and supporting documentation for large deposit(s) | &nbsp;&nbsp;1 |

---

---

| | | |
|:---|:---|:---|
| | &nbsp;&nbsp;Collections, liens or judgments not paid at closing | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Missing Trust Agreement | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Borrower 2 W2/1099 Missing | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;***159*** |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Loan does not conform to program guidelines | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited CLTV Exceeds Guideline CLTV | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited HCLTV Exceeds Guideline HCLTV | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited LTV Exceeds Guideline LTV | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited Loan Amount is greater than Guideline Maximum Loan Amount | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited DTI Exceeds Guideline DTI | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Missing verification of taxes, insurance, and/or HOA fees for non-subject property | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Asset 2 Does Not Meet Guideline Requirements | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Asset Qualification Does Not Meet Guideline Requirements | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower 1 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited FICO is less than Guideline FICO | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Asset 3 Does Not Meet Guideline Requirements | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower 1 W2/1099 Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower 1 Credit Report is Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited HCLTV Exceeds AUS HCLTV | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited CLTV Exceeds AUS CLTV | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower 1 IRS Transcripts Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Purchase is not considered to be an Arm's Length Transaction | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Employment Gaps in Employment Without Sufficient Explanation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;ATR: Reasonable Income or Assets Not Considered | &nbsp;&nbsp;1 |

---

---

| | | | |
|:---|:---|:---|:---|
| | | &nbsp;&nbsp;Asset 1 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Missing VOM or VOR | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Asset 4 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;ATR: Current Employment Not Verified | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Audited LTV Exceeds AUS LTV | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***54*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Required Affiliated Business Disclosure | &nbsp;&nbsp;14 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;eSigned Documents Consent is Missing | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Initial Closing Disclosure Delivery Date Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TRID: Closing disclosure loan terms- Prepayment Penalty | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TILA Right of Rescission Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;***28*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Finance Charge Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Incorrect rescission model used - RTC form model H-9 used for refinance not with Original Lender or Lender Affiliate | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Incorrect rescission model used - RTC form model H-8 used for Same Lender or Lender Affiliate Refinance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***16*** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product Not Provided within 10% Tolerance | &nbsp;&nbsp;14 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;FEMA Post Disaster Inspection Report not Provided | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | &nbsp;&nbsp;3 |

---

---

| | | |
|:---|:---|:---|
|  | &nbsp;&nbsp;Was lowest appraised value used to qualify is No | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Property Issue(s) are Present | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;**2*4*** |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Property/Appraisal General | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Second Appraisal is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Appraisal is Expired | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***6*** |

---

**Event Grade Definitions**

---

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

---

---

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

---

---

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

---

---

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

---

## Exhibit 99.11

---

| | |
|:---|:---|
| **EXHIBIT 99.11** | **CONSOLIDATED ANALYTICS DUE DILIGENCE STANDARD REPORT** |

---

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 409012282 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/21/2025 | Resolved | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (XXX CFR §XXX(e) (XXX) (ii)) The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXX(e) (XXX) (ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e) (XXX) (i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e) (XXX) (vi). TILA130b Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, copy of refund check, proof of delivery or valid COC. The XXX% tolerance violation is due to the addition of Recording Service fee and title - notary fee without a COC to validate. | ; Document Uploaded. ; Document Uploaded. PCCD; Documentation received, XXX to review.; Fees are subject to XXX% and total of all fees is XXX and no Cure required, please provide clarification. | 04/14/2025 | PCCD provided; exception resolved; PCCD provided; exception resolved | 04/14/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 409012350 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/25/2025 | Resolved | FCRE1205 | Credit | OFAC Check Not Completed and/or Cleared | OFAC Check Not Completed and/or Cleared OFAC check cleared for the borrowers, but was not provided for the other parties to the transaction. | ; Document Uploaded. Documentation received, XXX to review.; ; | 03/31/2025 | OFAC Check Completed and Cleared | 03/31/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A B |
| 409012350 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/25/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Missing Exclusionary List documentation. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 03/31/2025 | All Interested Parties Checked against Exclusionary Lists | 03/31/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A B |
| 409012350 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/25/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | ; ; Documentation received, XXX to review.; Document Uploaded. ; | 03/31/2025 | Required Affiliated Business Disclosure Documentation Provided; Affiliated attestation provided; Exception resolved | 03/31/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A B |
| 409012350 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/24/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report File is missing required 3rd Party Fraud Report. |  | 03/31/2025 | Third Party Fraud Report is provided | 03/31/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A B |
| 409012349 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/25/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Affiliated business disclosure is missing | ; ; Documentation received, XXX to review.; Document Uploaded. ; | 03/31/2025 | Required Affiliated Business Disclosure Documentation Provided; Affiliated attestation provided; Exception resolved | 03/31/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 409012349 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/25/2025 | Resolved | FCRE1205 | Credit | OFAC Check Not Completed and/or Cleared | OFAC Check Not Completed and/or Cleared OFAC check was provided and cleared for the borrowers, but was not provided for the other parties to the transaction. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 03/31/2025 | OFAC Check Completed and Cleared | 03/31/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 409012349 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/25/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Missing exclusionary list documentation for all parties to the transaction. | ; Document Uploaded. Documentation received, XXX to review.; ; | 03/31/2025 | All Interested Parties Checked against Exclusionary Lists | 03/31/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 409012349 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/25/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report The file is missing the required 3rd party Fraud Report. | ; | 03/31/2025 | Third Party Fraud Report is provided | 03/31/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 409012348 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/25/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | ; ; Documentation received, XXX to review.; Document Uploaded. ; | 03/31/2025 | Required Affiliated Business Disclosure Documentation Provided; Affiliated attestation provided; Exception resolved | 03/31/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| 409012348 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/25/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report |  | 03/31/2025 | Third Party Fraud Report is provided | 03/31/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| 409012348 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/25/2025 | Waived | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX% Maximum LTV for XXX credit score with a loan amount up to $XXX is XXX%. | ; | 03/31/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX compensating factors: XXX) borrower has been on his job XXX+ years XXX) mortgages paid as agreed XXX-XXX) $XXX in reserves. | 03/31/2025 | Borrower has stable job time - Borrower has XXX years on job. D C A |
| 409012348 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/25/2025 | Waived | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% Maximum HLTV for XXX credit score with a loan amount up to $XXX is XXX%. | ; | 03/31/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX compensating factors: XXX) borrower has been on his job XXX+ years XXX) mortgages paid as agreed XXX-XXX) $XXX in reserves. | 03/31/2025 | Borrower has stable job time - Borrower has XXX years on job. D C A |
| 409012348 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/25/2025 | Waived | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline CLTV of XXX% Maximum CLTV for XXX credit score with a loan amount up to $XXX is XXX%. | ; | 03/31/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX compensating factors: XXX) borrower has been on his job XXX+ years XXX) mortgages paid as agreed XXX-XXX) $XXX in reserves. | 03/31/2025 | Borrower has stable job time - Borrower has XXX years on job. D C A |
| 409012348 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/25/2025 | Waived | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: Missing second full appraisal required for purchase transactions with loan amounts over $XXX. | ; | 03/31/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX compensating factors: XXX) borrower has been on his job XXX+ years XXX) mortgages paid as agreed XXX-XXX) $XXX in reserves. | 03/31/2025 | Borrower has stable job time - Borrower has XXX years on job. D C A |
| 409012348 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/25/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Missing exclusionary list documentation for all parties to the transaction. | ; Documentation received, XXX to review.; Document Uploaded. ; ; ; ; | 03/31/2025 | All Interested Parties Checked against Exclusionary Lists | 03/31/2025 | Borrower has stable job time - Borrower has XXX years on job. D C A |
| 409012348 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/25/2025 | Resolved | FCRE1205 | Credit | OFAC Check Not Completed and/or Cleared | OFAC Check Not Completed and/or Cleared OFAC check was provided and cleared for the borrowers, but was not provided for the other parties to the transaction. | ; Document Uploaded. Documentation received, XXX to review.; ; ; ; | 03/31/2025 | OFAC Check Completed and Cleared | 03/31/2025 | Borrower has stable job time - Borrower has XXX years on job. D C A |
| 409012348 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/25/2025 | Resolved | FCOM1220 | Credit | The Deed of Trust is Missing | The Deed of Trust is Missing | ; Document Uploaded. ; Documentation received, XXX to review.; | 03/27/2025 | The Deed of Trust is Present | 03/31/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| 409012351 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/25/2025 | Waived | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX% The max Loan amount of $XXX has a max LTV of XXX% for XXX unit, primary residence purchase. | ; | 03/31/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX compensating factors: XXX) XXX% DTI XXX) XXX FICO XXX) the borrower has XXX+ years on the job. | 03/31/2025 | is Greater than the Guideline Minimum \| Qualifying DTI below max allowed. \| Borrower has stable job time C A |
| 409012351 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/25/2025 | Waived | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% The max Loan amount of $XXX has a max HLTV of XXX% for XXX unit, primary residence purchase. | ; | 03/31/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX compensating factors: XXX) XXX% DTI XXX) XXX FICO XXX) the borrower has XXX+ years on the job. | 03/31/2025 | is Greater than the Guideline Minimum \| Qualifying DTI below max allowed. \| Borrower has stable job time C A |
| 409012351 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/25/2025 | Waived | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline CLTV of XXX% The max Loan amount of $XXX has a max CLTV of XXX% for XXX unit, primary residence purchase. | ; | 03/31/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX compensating factors: XXX) XXX% DTI XXX) XXX FICO XXX) the borrower has XXX+ years on the job. | 03/31/2025 | is Greater than the Guideline Minimum \| Qualifying DTI below max allowed. \| Borrower has stable job time C A |
| 409012351 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/25/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Affiliated business disclosure is missing | ; ; Documentation received, XXX to review.; Document Uploaded. ; | 03/31/2025 | Required Affiliated Business Disclosure Documentation Provided; Affiliated attestation provided; Exception resolved | 03/31/2025 | is Greater than the Guideline Minimum \| Qualifying DTI below max allowed. \| Borrower has stable job time A |
| 409012351 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/25/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report The file is missing the required 3rd Party Fraud Report. |  | 03/31/2025 | Third Party Fraud Report is provided | 03/31/2025 | is Greater than the Guideline Minimum \| Qualifying DTI below max allowed. \| Borrower has stable job time A |
| 409012351 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/25/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Missing exclusionary list documentation for all parties to the transaction. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 03/31/2025 | All Interested Parties Checked against Exclusionary Lists | 03/31/2025 | is Greater than the Guideline Minimum \| Qualifying DTI below max allowed. \| Borrower has stable job time C A |
| 409012351 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/25/2025 | Resolved | FCRE1205 | Credit | OFAC Check Not Completed and/or Cleared | OFAC Check Not Completed and/or Cleared OFAC check was provided and cleared for the borrower, but was not provided for the other parties to the transaction. | ; Document Uploaded. Documentation received, XXX to review.; ; | 03/31/2025 | OFAC Check Completed and Cleared | 03/31/2025 | is Greater than the Guideline Minimum \| Qualifying DTI below max allowed. \| Borrower has stable job time C A |
| 409011502 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409012657 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/09/2025 | Resolved | FCRE1150 | Credit | Subordination Agreement is Missing | Missing Subordination Agreement Missing subordination agreement for piggyback second lien HELOC dated XX/XX/XXXX. | ; ; Documentation received, XXX to review.; Document Uploaded. Purchase Transaction. ; | 04/14/2025 | Subordination Agreement is Present; Missing Subordination Agreement; Heloc documents provided that State secondary mortgage agreement. | 04/14/2025 | is Greater than the Guideline Minimum \| Original LTV is Below the Guideline Maximum D A |
| 409012657 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/08/2025 | Waived | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is Missing. Per XXX AUS Program Eligibility Guide XXX, If the borrower(s) is a First Time Homebuyer and has a rental history in the most recent XXX (XXX) months, a VOR must be obtained reflecting 0X30 in the last XXX (XXX) months. Applies to all borrowers on the loan. | ; | 04/14/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX) XXX% LTV XXX) XXX FICO XXX) $XXX in reserves. | 04/14/2025 | is Greater than the Guideline Minimum \| Original LTV is Below the Guideline Maximum D A |
| 409012701 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/11/2025 | Waived | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (XXX CFR XXX(a) (XXX)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). Missing proof the borrower received a copy of the appraisal prior to closing. The Appraisal Acknowledgement (pg. XXX) does not provide sufficient evidence whether the appraisal was delivered to the Borrower prior to the consummation date of XX/XX/XXXX. | ; | 04/28/2025 | Client acknowledges Grade B finding. Exception status changed to waived per clients email request. | 04/28/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 409012701 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/11/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | TILA 130b Cure required. Refund in the amount of $XXX, cure requires a valid COC or a cure package with a post closing CD, letter of explanation, proof of refund, and proof of delivery. The file is missing a valid COC to support the following fee increase: - The Appraisal fee increased from $XXX to $XXX the LE dated XX/XX/XXXX. The corresponding COC (pg. XXX) does not provide a valid reason for the increase. This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). | ; Documentation received, XXX to review.; Document Uploaded. | 04/28/2025 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 04/28/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 409012703 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409012696 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/11/2025 | Waived | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (XXX CFR XXX(a) (XXX)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). Missing proof the borrower received a copy of the appraisal prior to closing. The Appraisal Acknowledgement (pg. XXX) does not provide sufficient evidence whether the appraisal was delivered to the Borrower prior to the consummation date of XX/XX/XXXX. |  | 04/15/2025 | Client acknowledges EV2/B finding. Exception status changed to Waived per client's email request. | 04/15/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| 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 |
| 409012658 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/10/2025 | Waived | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: The appraisal is dated XX/XX/XXXX. Form 1004D dated XX/XX/XXXX was provided with an exterior photo, but the original appraisal date is greater than XXX from days the Note date of XX/XX/XXXX, which does not meet XXX AUS XXX overlays. | ; | 04/14/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX) XXX FICO XXX) XXX% DTI XXX) XXX% LTV. | 04/14/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum \| is Greater than the Guideline Minimum \| Qualifying DTI below max allowed. A |
| 409012658 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/10/2025 | Waived | FPRO1243 | Property | Second Appraisal is Missing | Second Appraisal Is Required and is Missing. Refinance loan amount of $XXX requires second full appraisal per XXX AUS XXX overlays. | ; | 04/14/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX) XXX FICO XXX) XXX% DTI XXX) XXX% LTV. | 04/14/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum \| is Greater than the Guideline Minimum \| Qualifying DTI below max allowed. A |
| 409012658 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/10/2025 | Acknowledged | FCOM1851 | Compliance | Incorrect rescission model used - RTC form model H-XXX used for Same Lender or Lender Affiliate Refinance | Incorrect rescission model used - RTC form model H8 (New Creditor) used for Same Lender or Lender Affiliate Refinance The subject refinance transaction was paying off a prior loan from from XXX (pg. XXX) , which matches the subject lender, and received $XXX in new money. Therefore, RTC form model H9 (Same Creditor) was required to be used. |  | 04/14/2025 | ; B grade, downgraded due to location of district court | 04/14/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum \| is Greater than the Guideline Minimum \| Qualifying DTI below max allowed. A |
| 409012658 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/10/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). TILA 130b Cure required. Refund in the amount of $XXX, cure requires a valid COC or a cure package with a post closing CD, letter of explanation, proof of refund, and proof of delivery. The file is missing a valid COC to support the following fee addition: - The Lender Doc Prep Fee of $XXX was added to the initial CD, dated XX/XX/XXXX. The file does not contain a valid COC for the addition of this fee. | ; Documentation received, XXX to review.; Document Uploaded. Please see COC detail. Loan terms changed; | 04/14/2025 | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | 04/14/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum \| is Greater than the Guideline Minimum \| Qualifying DTI below max allowed. A |
| 409012654 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409012650 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2025 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of ($) is insufficient, not meeting the required coverage amount of ($XXX). |  | 04/14/2025 | The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 04/14/2025 | Borrower has stable job time \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum \| Qualifying DTI below max allowed. A |
| 409012650 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/11/2025 | Waived | FCRE1335 | Credit | Borrower 1 IRS Transcripts Missing | Borrower 1 IRS Transcripts Missing Per XXX guide transcripts must be provided to support all years of 1040s. File contains XXX years of 1040s, but only one year of personal transcripts. |  | 04/14/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX) XXX% DTI XXX) borrower has been with same employer XXX+ years XXX) XXX FICO. | 04/14/2025 | Borrower has stable job time \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum \| Qualifying DTI below max allowed. A |
| 409012650 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/11/2025 | Waived | FCRE1497 | Credit | ATR: Reasonable Income or Assets Not Considered | ATR: Reasonable Income or Assets Not Considered File contains XXX years of 1040s, but only XXX year of transcripts to support. | ; | 04/14/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX) XXX% DTI XXX) borrower has been with same employer XXX+ years XXX) XXX FICO. | 04/14/2025 | Borrower has stable job time \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum \| Qualifying DTI below max allowed. A |
| 409012702 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/09/2025 | Resolved | finding-47 | Compliance | TILA Right of Rescission Test | This loan failed the TILA right of rescission test.Closed-end (XXX CFR §XXX(a) (XXX) , transferred from XXX CFR §XXX(a) (XXX)) , Open-end (XXX CFR §XXX(a) (XXX) , transferred from XXX CFR §XXX(a) (XXX)) The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XXX CFR §1026.23 or §XXX, or delivery of all material disclosures, whichever occurs last. Borrower did not receive XXX day ROR Notary date XX/XX/XXXX, RTC expiration date XX/XX/XXXX, Disbursement date (per final CD provided) is XX/XX/XXXX. This violation can be cured by providing a PCCD or other documentation of actual disbursement date. | ; Documentation received, XXX to review.; Document Uploaded. Please see XXX Final Settlement Statement and PCCD showing loan disbursed on XX/XX/XXXX.; | 04/15/2025 | PCCD and settlement Statement provided; Exception resolved; PCCD and settlement Statement provided; Exception resolved | 04/15/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 409012640 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/11/2025 | Resolved | FCRE1497 | Credit | ATR: Reasonable Income or Assets Not Considered | ATR: Reasonable Income or Assets Not Considered Missing complete bank Statement for XXX | ; | 04/15/2025 | ATR: Reasonable Income or Assets Was Considered | 04/15/2025 | Borrower has stable job time \| Original LTV is Below the Guideline Maximum \| is Greater than the Guideline Minimum \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 409012640 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/11/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Missing complete bank Statement pages XXX-XXX for XXX acct #XXX XX/XX/XXXX and XXX acct #XXX XX/XX/XXXX. | ; Document Uploaded. ; Documentation received, XXX to review.; ; | 04/15/2025 | Asset Qualification Meets Guideline Requirements | 04/15/2025 | Borrower has stable job time \| Original LTV is Below the Guideline Maximum \| is Greater than the Guideline Minimum \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 409012640 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/10/2025 | Waived | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Borrower 1 has a frozen credit bureau (XXX). Per XXX AUS Program Eligibility Guide XXX, credit reports with bureaus identified as "frozen" are required to be unfrozen and a current credit report with all bureaus unfrozen is required. | ; | 04/15/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX) XXX FICO XXX) XXX% LTV XXX) borrower has been with same employer XXX+ XXX. | 04/15/2025 | Borrower has stable job time \| Original LTV is Below the Guideline Maximum \| is Greater than the Guideline Minimum \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 409012809 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409012810 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/11/2025 | Waived | FCOM1852 | Compliance | Incorrect rescission model used - RTC form model H-XXX used for refinance not with Original Lender or Lender Affiliate | Incorrect rescission model used - RTC form model H9 (Same Creditor) used for refinance not with Original Lender or Lender Affiliate The subject refinance transaction was paying off a prior loan from a lender other than XXX (pg. XXX) , and therefore, RTC form model H8 (Different Creditor) was required to be used. |  | 04/16/2025 | Client acknowledges EV2/B finding. Exception status changed to Waived per client's email request. | 04/16/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 409012670 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/11/2025 | Waived | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: All property valuations provided are expired and greater than XXX days from the Note date of XX/XX/XXXX, which does not meet XXX AUS XXX overlays. The appraisal is dated XX/XX/XXXX. Form 1004D dated XX/XX/XXXX was provided without an exterior photo. The supporting CDA is expired with a date of XX/XX/XXXX, and the supporting UCDP is expired with a date of XX/XX/XXXX. |  | 04/14/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX) XXX FICO XXX) borrower has been in the same line of work XXX years XXX) $XXX in reserves. | 04/14/2025 | is Greater than the Guideline Minimum \| Borrower has stable job time C A |
| 409012670 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/11/2025 | Waived | FCRE8201 | Credit | Loan does not conform to program guidelines | The initial XXX is dated XX/XX/XXXX, and the initial disclosures are dated XX/XX/XXXX, which is greater than XXX days from the Note date of XX/XX/XXXX. Per XXX AUS overlays, credit documents cannot be greater than XXX days old. | ; | 04/14/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX) XXX FICO XXX) borrower has been in the same line of work XXX years XXX) $XXX in reserves. | 04/14/2025 | is Greater than the Guideline Minimum \| Borrower has stable job time C A |
| 409012671 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2025 | Waived | FPRO1243 | Property | Second Appraisal is Missing | Second Appraisal Is Required and is Missing. Per XXX AUS V20, refinance loans over $XXX require a second full appraisal which is missing. |  | 04/14/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX) XXX FICO XXX) XXX% LTV XXX) XXX% DTI. | 04/14/2025 | Original LTV is Below the Guideline Maximum \| is Greater than the Guideline Minimum \| Qualifying DTI below max allowed. \| Borrower has stable job time - Borrower has XXX years on job. A |
| 409012671 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/11/2025 | Waived | FPRO1245 | Property | Appraisal is Expired | Primary Value Appraisal is Expired An appraisal update was provided however, the original appraisal is greater than XXX days from note date. Per XXX guide a new full appraisal was required. |  | 04/14/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX) XXX FICO XXX) XXX% LTV XXX) XXX% DTI. | 04/14/2025 | Original LTV is Below the Guideline Maximum \| is Greater than the Guideline Minimum \| Qualifying DTI below max allowed. \| Borrower has stable job time - Borrower has XXX years on job. C A |
| 409012672 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409012697 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409012027 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/22/2025 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of ($) is insufficient, not meeting the required coverage amount of ($XXX). | ; ; | 04/22/2025 | The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 04/22/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 409012027 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/08/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). TILA 130b Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, copy of refund check, proof of delivery or valid COC. The XXX% tolerance violation in the amount of $XXX is due to an increase in the Appraisal fee from $XXX to $XXX on CD XX/XX/XXXX and the addition of an Appraisal Desk Review Fee and Flood Cert fee on CD XX/XX/XXXX without a COC to validate. | ; ; Documentation received, XXX to review.; Document Uploaded. ; ; Documentation received, XXX to review.; Document Uploaded. ; | 04/22/2025 | Cure package provided to the borrower; exception downgraded to a 2/B; The COCs provided did not confirm a valid reason for the increase in appraisal fee and the file appears to be missing some disclosures based on the COC dates provided | 04/22/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 409012027 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/08/2025 | Resolved | FCRE1185 | Credit | AUS Partially Provided | AUS Partially Provided DU AUS dated XX/XX/XXXX does not accurately reflect the borrowers REO expense. It lists two non subject properties instead of XXX and total non-mortgage expense is inaccurate. Please provided updated DU AUS that matches the final XXX calculations | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 04/22/2025 | AUS is not incomplete | 04/22/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 409012027 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/08/2025 | Resolved | FCRE9814 | Credit | Missing Trust Agreement | Missing Trust Agreement The Subject property is vested under both borrowers as Trustees of a Trust. The Trust has not been provided. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/22/2025 | Trust Agreement Meets Guideline Requirements | 04/22/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 409012027 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/08/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. | ; Documentation received, XXX to review.; Document Uploaded. ; ; Documentation received, XXX to review.; Document Uploaded. ; ; | 04/16/2025 | Evidence of eConsent is provided.; The e-consent provided does not give the date the borrower consented to receive documents electronically | 04/22/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 409009174 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409012196 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2025 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of ($) is insufficient, not meeting the required coverage amount of ($XXX). |  | 04/16/2025 | The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 04/16/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 409012196 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/09/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). TILA 130b Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, copy of refund check, proof of delivery or valid COC. The XXX% tolerance violation in the amount of $XXX is due to the addition of Appraisal Review Fee on LE XX/XX/XXXX without a valid COC. | ; ; Document Uploaded. ; ; | 04/16/2025 | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | 04/16/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 409012019 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/22/2025 | Resolved | FCOM9799 | Compliance | TRID: Closing disclosure loan terms- Prepayment Penalty | Closing disclosure loan terms- Prepayment Penalty Indicator (No) does not match Note (XXX%, XXX%, XXX%). | ; ; | 04/28/2025 | Note and Final CD Prepayment Penalty indicators match | 04/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 409012019 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/22/2025 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of ($) is insufficient, not meeting the required coverage amount of ($XXX). | ; ; | 04/28/2025 | The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 04/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 409012019 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/10/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Required Affiliated Business Disclosure Missing | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/16/2025 | Required Affiliated Business Disclosure Documentation Provided | 04/22/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 409012019 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/10/2025 | Resolved | FCRE8201 | Credit | Loan does not conform to program guidelines | According to the loan application, the Borrower pays alimony of $XXX and child support of $XXX, totaling $XXX. However, documentation verifying these amounts was not included in the loan file. Please provide a copy of the divorce decree, separation agreement, court order or equivalent documentation confirming the amount of the obligation included in the calculation of the Debt-to Income (DTI) ratio, as required by the FNMA Selling Guide. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/16/2025 |  | 04/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 409012879 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/11/2025 | Waived | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (XXX CFR XXX(a) (XXX)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). Missing proof the borrower received a copy of the appraisal prior to closing. The Appraisal Acknowledgement (pg. XXX) does not provide sufficient evidence whether the appraisal was delivered to the Borrower prior to the consummation date of XX/XX/XXXX. |  | 04/15/2025 | Client acknowledges EV2/B finding. Exception status changed to Waived per client's email request. | 04/15/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A |
| 409012479 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/11/2025 | Resolved | FCRE2074 | Credit | HELOC Closure Letter Missing | HELOC Closure Letter Missing. Please provide a signed HELOC closure letter requesting to suspend and close the home equity line of credit. | ; ; Documentation received, XXX to review ; Document Uploaded. ; | 04/24/2025 | HELOC Closure Letter Provided.; HELOC Closure Letter Missing.; | 04/24/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 409012479 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 04/24/2025 | cure package provided to the borrower; exception downgraded to a 2/B; This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i).; TILA 130b Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, copy of refund check, proof of delivery or valid COC. The XXX% tolerance violation in the amount of $XXX is due to the increase of the Appraisal fee from $XXX on CD XX/XX/XXXX to $XXX on CD XX/XX/XXXX without a COC to validate. There is a tolerance cure totaling $XXX, that has been applied as follows: $XXX to Recording fee increase beyond XXX%, Credit Report fee increase $XXX, remaining $XXX applied to Appraisal fee increase, leaving $XXX still due to borrower. | 04/24/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 409012881 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/11/2025 | Resolved | FCOM1221 | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete The Deed of Trust provided does not have the correct county for the subject property. The Stated county is XXX. However, the Appraisal, Flood Cert, Tax Information form and XXX search show the proper county is XXX. | ; ; Documentation received, XXX to review.; Document Uploaded. Please see XXX letter of intent and correction to the Deed of Trust.; | 04/28/2025 | The Deed of Trust is Present and Complete | 04/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 409012881 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/11/2025 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | The initial CD dated XX/XX/XXXX was provided less than XXX business days prior to the consummation date of XX/XX/XXXX, and was not signed. Please provide evidence of receipt of the initial CD dated XX/XX/XXXX. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XXX CFR §XXX(f) (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 XXX 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 XXX 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 §XXX(f) (XXX) (i) no later than XXX business days before consummation. | ; Documentation received, XXX to review.; Document Uploaded. Please see XXX audit trail showing ICD was sent to both XXX and XXX. XXX signed the document on XX/XX/XXXX.; | 04/16/2025 | Initial CD receipt date provided; exception resolved; Initial CD receipt date provided; exception resolved | 04/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 409012882 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409012885 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/11/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). TILA 130 Cure Required. Refund in the amount of $XXX, cure requires a valid COC or a cure package with a post closing CD, letter of explanation, proof of refund, and proof of delivery. The XXX% tolerance violation is due to the Appraisal Fee increase from $XXX to $XXX on the revised LE dated XX/XX/XXXX. The file contains a COC dated XX/XX/XXXX which States that appraisal fee increased due to a "new appraisal quote," but does not specify a valid reason for this increase. Please provide a valid COC or cure package. | ; Documentation received, XXX to review.; Document Uploaded. Please see XXX COC form. | 04/23/2025 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 04/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 409012883 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409012886 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/11/2025 | Waived | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (XXX CFR XXX(a) (XXX)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). Missing proof the borrower received a copy of the appraisal prior to closing. The Appraisal Acknowledgement (pg. XXX) does not provide sufficient evidence whether the appraisal was delivered to the Borrower within XXX business days prior to the consummation date of XX/XX/XXXX. |  | 04/15/2025 | Client acknowledges EV2/B finding. Exception status changed to Waived per client's email request. | 04/15/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 409012884 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409012880 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409008999 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2025 | Waived | FCRE8201 | Credit | Loan does not conform to program guidelines | Per XXX guide dated XX/XX/XXXX subject property must be deemed warrantable, property currently undergoing repairs and cannot clear report of the city of XXX until complete. An exception was granted for this issue, compensating factors of significant reserves XXX months plus, and stable history of employment with $XXX per month of residual income. |  | 04/16/2025 | Client granted exception for non-warrantable co-op for B grade. Compensating factors include significant reserves XXX months plus, and stable history of employment with $XXX per month of residual income. | 04/16/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 409012924 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2025 | Waived | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (XXX CFR XXX(a) (XXX)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). | ; | 04/22/2025 | Client acknowledges EV2/B finding. Exception status changed to Waived per client's email request. | 04/22/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time \| is Greater than the Guideline Minimum \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum A |
| 409012924 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2025 | Resolved | FCRE6019 | Credit | Borrower 1 Citizenship Documentation not provided | Borrower 1 Citizenship Documentation Is Missing The file does not contain any Borrower Identification documentation for the primary borrower. | ; ; Document Uploaded. ID received, in XXX review. ; | 04/22/2025 | Citizenship Documentation is provided. | 04/22/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time \| is Greater than the Guideline Minimum \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum A |
| 409012924 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The file contains the original appraisal and XXX valued at $XXX. UCDP CU score of XXX. File does not contain the required Desktop Analysis. | ; Document Uploaded. Documentation received, XXX to review.; Seller to provide CDA. \*\* Per Seller, CDAs have been ordered and should be received soon. | 04/22/2025 | Third party valuation product provided within tolerance. | 04/22/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time \| is Greater than the Guideline Minimum \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum A |
| 409012924 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2025 | Resolved | FCRE6914 | Credit | Borrower 2 Citizenship Documentation not provided | Borrower 2 Citizenship Documentation Is Missing The file does not contain any Borrower Identification documentation for the co-borrower. | ; Document Uploaded. ID received, in XXX review. ; | 04/22/2025 | Citizenship Documentation is provided. | 04/22/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time \| is Greater than the Guideline Minimum \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum A |
| 409012924 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to confirm the Affiliated Business Disclosure was received within XXX business days of application. | ; | 04/17/2025 | Required Affiliated Business Disclosure Documentation Provided | 04/22/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time \| is Greater than the Guideline Minimum \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum A |
| 409012924 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2025 | Resolved | FCRE1190 | Credit | Audited FICO is less than AUS FICO | Audited FICO of XXX is less than AUS FICO of XXX. | ; Document Uploaded. AUS received, in XXX review. ; ; New credit report pulled. AUS to be ran with updated credit report. ; | 04/22/2025 | Audited FICO of XXX is equal to or greater than AUS FICO of XXX | 04/22/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time \| is Greater than the Guideline Minimum \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum A |
| 409012924 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2025 | Waived | FCRE8201 | Credit | Loan does not conform to program guidelines | The initial XX/XX/XXXX and subsequent credit documents are greater than XXX days from the Note date of XX/XX/XXXX. | ; | 04/16/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX) XXX FICO XXX) XXX% LTV XXX) borrower has been with same employer XXX+ years. | 04/16/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time \| is Greater than the Guideline Minimum \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum A |
| 409012925 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2025 | Resolved | FCRE6019 | Credit | Borrower 1 Citizenship Documentation not provided | Borrower 1 Citizenship Documentation Is Missing The is no identification documentation for the borrower in file. | ; Document Uploaded. ID received, in XXX review. ; | 04/23/2025 | Citizenship Documentation is provided. | 04/23/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 409012925 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to confirm the Affiliated Business Disclosure was received within XXX business days of application. | ; | 04/17/2025 | Required Affiliated Business Disclosure Documentation Provided | 04/22/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 409012925 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2025 | Resolved | FCRE7551 | Credit | Missing Divorce Decree | The file is missing the borrower's divorce decree confirming the amount of the borrower child support and alimony. | ; Document Uploaded. ; | 04/16/2025 |  | 04/16/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 409012919 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2025 | Waived | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Audited DTI of XXX% exceeds max Guideline DTI of XXX% | ; ; | 04/23/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX) XXX FICO XXX) $XXX in reserves XXX) all debts paid as agreed. | 04/23/2025 | is Greater than the Guideline Minimum C B A |
| 409012919 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2025 | Waived | FCRE1248 | Credit | Purchase is not considered to be an Arm's Length Transaction | Purchase is not considered to be an Arm's Length Transaction The appraisal States Purchase is not considered to be an Arm's Length Transaction. Transaction is not arm's length | ; ; XXX to review for possible exception. | 04/23/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX) XXX FICO XXX) $XXX in reserves XXX) all debts paid as agreed. | 04/23/2025 | is Greater than the Guideline Minimum C B A |
| 409012919 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. CU score not provided and third party valuation not in the loan file. | ; Document Uploaded. Documentation received, XXX to review.; Seller to provide acceptable CDA. \*\*Seller did indicate CDAs have been ordered and will be provide soon. ; | 04/23/2025 | Third party valuation product provided within tolerance. | 04/23/2025 | is Greater than the Guideline Minimum C B A |
| 409012919 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to confirm the Affiliated Business Disclosure was received within XXX days of application. | ; | 04/17/2025 | Required Affiliated Business Disclosure Documentation Provided | 04/22/2025 | is Greater than the Guideline Minimum C B A |
| 409012919 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2025 | Waived | FCRE8201 | Credit | Loan does not conform to program guidelines | Initial credit documents dated XX/XX/XXXX are aged at XXX days from the Note date of XX/XX/XXXX. |  | 04/16/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX) XXX FICO XXX) $XXX in reserves XXX) all debts paid as agreed. | 04/16/2025 | is Greater than the Guideline Minimum C B A |
| 409012922 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2025 | Resolved | FCRE6914 | Credit | Borrower 2 Citizenship Documentation not provided | Borrower 2 Citizenship Documentation Is Missing | ; Document Uploaded. ID received, in XXX review. ; ; | 04/22/2025 | Citizenship Documentation is provided. | 04/22/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A |
| 409012922 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2025 | Resolved | FCRE6019 | Credit | Borrower 1 Citizenship Documentation not provided | Borrower 1 Citizenship Documentation Is Missing | ; Document Uploaded. ID received, in XXX review. ; No evidence of citizenship in the loan file. ; | 04/22/2025 | Citizenship Documentation is provided. | 04/22/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A |
| 409012922 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Per XXX Agency Program Eligibility Guide XXX, Collateral Desktop Analysis (CDA) ordered from Clear Capital, or a Consolidated Collateral Analysis (CCA) ordered from Consolidated Analytics is required to support the value of the appraisal. | ; Document Uploaded. Documentation received, XXX to review.; ; Seller to provide CDA. \*\*\* Seller did confirm CDAs have been ordered and should be received soon. | 04/22/2025 | Third party valuation product provided within tolerance. | 04/22/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A |
| 409012922 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2025 | Waived | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (XXX CFR XXX(a) (XXX)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). Missing proof the borrower received a copy of the appraisal prior to closing. The Appraisal Acknowledgement (pg. XXX) does not provide sufficient evidence whether the appraisal was delivered to the Borrower prior to the consummation date of XX/XX/XXXX. | ; | 04/22/2025 | Client acknowledges EV2/B finding. Exception status changed to Waived per client's email request. | 04/22/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A |
| 409012922 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Required Affiliated Business Disclosure Missing | ; | 04/17/2025 | Required Affiliated Business Disclosure Documentation Provided | 04/22/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A |
| 409012942 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2025 | Cured | finding-651 | Compliance | TILA Finance Charge Test | This loan failed the TILA finance charge test.(XXX CFR §XXX(o) (XXX)) The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is underStated by more than $XXX. TILA 130b Cure Required. This loan failed the TILA finance charge test. The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is underStated by more than $XXX. Per the lenders audit compliance report in the loan file, the $XXX E-Doc and $XXX Courier fee were excluded in the APR testing. | ; Document Uploaded. Documentation received, XXX to review. | 04/24/2025 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | 04/24/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| 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% \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 409012942 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/18/2025 | Resolved | FCRE0386 | Credit | Borrower 1 Photo Identification not provided | Borrower 1 Photo Identification not provided. | ; Document Uploaded. Documentation received, XXX to review.; | 04/22/2025 | Photo Identification provided.; B1 ID provided | 04/24/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| 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% \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 409012942 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/18/2025 | Resolved | FCRE0387 | Credit | Borrower 2 Photo Identification not provided | Borrower 2 Photo Identification not provided. | ; Document Uploaded. Documentation received, XXX to review.; | 04/22/2025 | Photo Identification provided.; B2 ID provided | 04/24/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| 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% \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 409012942 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/18/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | MISSING MORTGAGE Statement to verify PITIA for XXX | ; Document Uploaded. Documentation received, XXX to review.; | 04/23/2025 | Lender provided LOE confirmed total expense for departure residence of $XXX. Credit report payment _ HOI and taxes.. no HOA | 04/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| 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% \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 409012942 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2025 | Resolved | FCRE4104 | Credit | Missing explanation and supporting documentation for large deposit(s) | XXX acct#XXX shows large deposit $XXX on XX/XX/XXXX that was not sourced. Provide source of deposit | ; Document Uploaded. Documentation received, XXX to review.; | 04/23/2025 | LOE provided by lender, failed to document the large deposit, but subtracted it from available assets. | 04/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| 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% \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 409012937 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2025 | Waived | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (XXX CFR XXX(a) (XXX)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). There is no evidence the borrower received a copy of the appraisal. | ; ; | 04/24/2025 | Client acknowledges EV2/B finding. Exception status changed to waived per client's email request. | 04/24/2025 | is Greater than the Guideline Minimum \| Qualifying DTI below max allowed. \| Borrower has stable job time C A |
| 409012937 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2025 | Waived | FCRE1482 | Credit | Asset XXX Does Not Meet Guideline Requirements | Asset XXX Does Not Meet Guideline Requirements All assets need to be verified with XXX months bank Statements. Only Statements dated XX/XX/XXXX were provided for XXX accounts XXX, XXX and XXX. provide additional month Statements for these accounts | ; ; | 04/24/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX) DTI XXX% XXX) XXX FICO XXX) borrower has been on the job XXX+ years. | 04/24/2025 | is Greater than the Guideline Minimum \| Qualifying DTI below max allowed. \| Borrower has stable job time C A |
| 409012937 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2025 | Waived | FCRE1481 | Credit | Asset XXX Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. All assets need to be verified with XXX months bank Statements. Only Statements dated XX/XX/XXXX were provided for XXX accounts XXX, XXX and XXX. provide additional month Statements for these accounts | ; ; | 04/24/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX) DTI XXX% XXX) XXX FICO XXX) borrower has been on the job XXX+ years.; Asset Record XXX Does Not Meet G/L Requirements | 04/24/2025 | is Greater than the Guideline Minimum \| Qualifying DTI below max allowed. \| Borrower has stable job time C A |
| 409012937 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2025 | Waived | FCRE1480 | Credit | Asset XXX Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. All assets need to be verified with XXX months bank Statements. Only Statements dated XX/XX/XXXX were provided for XXX accounts XXX, XXX and XXX. provide additional month Statements for these accounts | ; ; | 04/24/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX) DTI XXX% XXX) XXX FICO XXX) borrower has been on the job XXX+ years.; Asset Record XXX Does Not Meet G/L Requirements | 04/24/2025 | is Greater than the Guideline Minimum \| Qualifying DTI below max allowed. \| Borrower has stable job time C A |
| 409012937 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2025 | Resolved | FCRE1173 | Credit | HO6 Master Insurance Policy is Missing | Missing HO-XXX Master Insurance Policy | ; Document Uploaded. Documentation received, XXX to review.; | 04/24/2025 | HO-XXX Master Insurance Policy is fully present | 04/24/2025 | is Greater than the Guideline Minimum \| Qualifying DTI below max allowed. \| Borrower has stable job time A C |
| 409012937 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2025 | Resolved | FCRE6019 | Credit | Borrower 1 Citizenship Documentation not provided | Borrower 1 Citizenship Documentation Is Missing | ; ; | 04/24/2025 | Citizenship Documentation is provided. | 04/24/2025 | is Greater than the Guideline Minimum \| Qualifying DTI below max allowed. \| Borrower has stable job time A C |
| 409012937 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | ; ; Document Uploaded. Documentation received, XXX to review.; Document Uploaded. Documentation received, XXX to review.; Seller to provide acceptable CDA | 04/24/2025 | Desk review received, supports value ; Third party valuation product provided within tolerance. | 04/24/2025 | is Greater than the Guideline Minimum \| Qualifying DTI below max allowed. \| Borrower has stable job time C A |
| 409012937 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/18/2025 | Resolved | FCRE0386 | Credit | Borrower 1 Photo Identification not provided | Borrower 1 Photo Identification not provided. | ; ; Document Uploaded. Documentation received, XXX to review.; | 04/24/2025 | Valid borrower ID received ; Photo Identification provided. | 04/24/2025 | is Greater than the Guideline Minimum \| Qualifying DTI below max allowed. \| Borrower has stable job time A C |
| 409012937 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/18/2025 | Resolved | FCRE0387 | Credit | Borrower 2 Photo Identification not provided | Borrower 2 Photo Identification not provided. | ; ; Document Uploaded. Documentation received, XXX to review.; | 04/24/2025 | Valid Borrower ID received; Photo Identification provided. | 04/24/2025 | is Greater than the Guideline Minimum \| Qualifying DTI below max allowed. \| Borrower has stable job time A C |
| 409012937 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2025 | Resolved | FCRE6914 | Credit | Borrower 2 Citizenship Documentation not provided | Borrower 2 Citizenship Documentation Is Missing |  | 04/21/2025 | Citizenship Documentation is provided. | 04/24/2025 | is Greater than the Guideline Minimum \| Qualifying DTI below max allowed. \| Borrower has stable job time A C |
| 409012930 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2025 | Resolved | FCRE6019 | Credit | Borrower 1 Citizenship Documentation not provided | Borrower 1 Citizenship Documentation Is Missing File contains no identification verification to support borrower's legal residency and employment in the XXX. | ; ; Document Uploaded. Documentation received, XXX to review.; | 04/24/2025 | Citizenship Documentation is provided. | 04/24/2025 | is Greater than the Guideline Minimum \| Original LTV is Below the Guideline Maximum \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. \| Borrower has stable job time - Borrower has XXX years on job. A |
| 409012930 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2025 | Resolved | FCRE1497 | Credit | ATR: Reasonable Income or Assets Not Considered | ATR: Reasonable Income or Assets Not Considered Missing all income documentation. Missing $XXX in asset verification. Without these assets, borrower is short to close $XXX. | ; Document Uploaded. Documentation received, XXX to review.; ; ; Please see updated condition. Borrower is still short $XXX cash to close ; ; Document Uploaded. ; Document Uploaded. ; ; Document Uploaded. Documentation received, XXX to review.; ; | 04/24/2025 | ATR: Reasonable Income or Assets Was Considered; The Final 1003 shows assets totaling $XXX: XXX with XXX of $XXX and Checking with XXX of $XXX. The loan file does not contain any evidence of these assets. The lender provided Verification of Deposit dated XX/XX/XXXX showing a balance of $XXX with XXX checking and a balance of $XXX with XXX savings. The gift funds of $XXX from the borrower's XXX were verified and utilized. XXX submitted a bank Statement from the XXX account (also found in loan file) with XXX with a balance of $XXX, but we cannot use these funds because they are in the XXX name, XXX. Using the gift funds in the amount of $XXX and the Verification of Deposit in the amount of $XXX and $XXX, we have a total of $XXX in verified assets. Cash required to close = $XXX. We are short $XXX. Cash required to close = $XXX. We are short $XXX.; Borrower 1 Paystubs Missing | 04/24/2025 | is Greater than the Guideline Minimum \| Original LTV is Below the Guideline Maximum \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. \| Borrower has stable job time - Borrower has XXX years on job. A |
| 409012930 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2025 | Resolved | FCRE1330 | Credit | Borrower 1 Paystubs Missing | Borrower 1 Paystubs Missing File contains no income documentation | ; ; Document Uploaded. ; ; No income docs provided. ; ; | 04/24/2025 | Borrower 1 Paystubs Provided | 04/24/2025 | is Greater than the Guideline Minimum \| Original LTV is Below the Guideline Maximum \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. \| Borrower has stable job time - Borrower has XXX years on job. A |
| 409012930 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2025 | Resolved | FCRE1328 | Credit | Borrower 1 W2/XXX Missing | Borrower 1 W2/XXX Missing. File contains no income documentation | ; No income docs provided. ; ; | 04/23/2025 | Borrower 1 W2/XXX Provided | 04/24/2025 | is Greater than the Guideline Minimum \| Original LTV is Below the Guideline Maximum \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. \| Borrower has stable job time - Borrower has XXX years on job. A |
| 409012930 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2025 | Resolved | FCRE1360 | Credit | Borrower 2 Paystubs Missing | Borrower 2 Paystubs Missing File contains no income documentation | ; No income docs provided. ; ; | 04/23/2025 | Borrower 2 Paystubs Provided or Not Applicable (Number of Borrowers equals XXX) | 04/24/2025 | is Greater than the Guideline Minimum \| Original LTV is Below the Guideline Maximum \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. \| Borrower has stable job time - Borrower has XXX years on job. A |
| 409012930 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2025 | Resolved | FCRE1358 | Credit | Borrower 2 W2/XXX Missing | Borrower 2 W2/XXX Missing. File contains no income documentation | ; No income docs provided. ; ; | 04/23/2025 | Borrower 2 W2/XXX Provided or Not Applicable (Number of Borrowers equals XXX) | 04/24/2025 | is Greater than the Guideline Minimum \| Original LTV is Below the Guideline Maximum \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. \| Borrower has stable job time - Borrower has XXX years on job. A |
| 409012930 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines File contains no income documentation | ; Document Uploaded. ; ; | 04/24/2025 | Income and Employment Meet Guidelines; Income and Employment Do Not Meet Guidelines Borrower 1 Paystubs Missing | 04/24/2025 | is Greater than the Guideline Minimum \| Original LTV is Below the Guideline Maximum \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. \| Borrower has stable job time - Borrower has XXX years on job. A |
| 409012930 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2025 | Resolved | FCRE6914 | Credit | Borrower 2 Citizenship Documentation not provided | Borrower 2 Citizenship Documentation Is Missing File contains no identification verification to support co-borrower's legal residency and employment in the XXX. | ; Document Uploaded. Documentation received, XXX to review.; | 04/23/2025 | Citizenship Documentation is provided. | 04/24/2025 | is Greater than the Guideline Minimum \| Original LTV is Below the Guideline Maximum \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. \| Borrower has stable job time - Borrower has XXX years on job. A |
| 409012930 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2025 | Resolved | FPRO0383 | Property | FEMA Post Disaster Inspection Report not Provided | The subject property is a FEMA disaster case; however, the inspection report was not provided. | ; XXX to order. Nothing needed from XXX at this time. Thank you! ; Seller to provide post disaster inspection report. | 04/23/2025 | FEMA Post Disaster Inspection report was provided.; The subject property is a FEMA disaster case; however, the inspection report was not provided Incident Period: XX/XX/XXXX - XX/XX/XXXX, Declaration Date: XX/XX/XXXX | 04/24/2025 | is Greater than the Guideline Minimum \| Original LTV is Below the Guideline Maximum \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. \| Borrower has stable job time - Borrower has XXX years on job. A |
| 409012930 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2025 | Waived | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The borrowers are retaining their departing residence. The mortgages are both through the subject Lender. No PITI documents provided to confirm escrows are in place for property taxes and HOI. | ; ; | 04/21/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following: The departing residence was sold XXX days after closing. | 04/21/2025 | is Greater than the Guideline Minimum \| Original LTV is Below the Guideline Maximum \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. \| Borrower has stable job time - Borrower has XXX years on job. A |
| 409012926 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2025 | Resolved | FCRE7496 | Credit | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | MISSING MORTGAGE Statement, property taxes, property insurance, lease agreement for Sec XXX property in REO section. | ; Document Uploaded. Contract of Deed received, in XXX review. ; ; | 04/23/2025 |  | 04/23/2025 | 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% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 409012926 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Per Agency Eligibility Guide, a CDA is required when CU score is >XXX | ; Document Uploaded. Documentation received, XXX to review.; ; Seller to provide acceptable CDA | 04/23/2025 | Third party valuation product provided within tolerance. | 04/23/2025 | 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% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 409012926 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2025 | Resolved | FCRE6019 | Credit | Borrower 1 Citizenship Documentation not provided | Borrower 1 Citizenship Documentation Is Missing | ; Document Uploaded. ID received, in XXX review. ; | 04/23/2025 | Citizenship Documentation is provided. | 04/23/2025 | 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% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 409012926 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2025 | Resolved | FCRE6914 | Credit | Borrower 2 Citizenship Documentation not provided | Borrower 2 Citizenship Documentation Is Missing | ; Document Uploaded. ID received, in XXX review. ; | 04/23/2025 | Citizenship Documentation is provided. | 04/23/2025 | 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% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 409012931 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2025 | Waived | FCRE1197 | Credit | Audited FICO is less than Guideline FICO | Audited FICO of XXX is less than Guideline FICO of XXX. The minimum FICO score for the Agency program with an CLTV over XXX% is XXX | ; ; | 04/24/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX) XXX% DTI XXX) borrower has been in the same line of work XXX+ years XXX) mortgages paid as agreed since XX/XX/XXXX. | 04/24/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 409012931 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2025 | Resolved | FCRE6019 | Credit | Borrower 1 Citizenship Documentation not provided | Borrower 1 Citizenship Documentation Is Missing The file contains no identification verification to confirm borrower's authorization for residence and employment in the XXX. | ; ; Document Uploaded. Documentation received, XXX to review.; | 04/24/2025 | Citizenship Documentation is provided. | 04/24/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 409012931 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The UCDP CU score for the subject property is XXX. This requires a 3rd Party Valuation, and none has been provided. | ; ; Document Uploaded. Documentation received, XXX to review.; Seller to provide acceptable CDA. \*\* Per Seller, CDAs have been ordered and should be receiving soon. | 04/24/2025 | Desktop Analysis received, supports value ; Third party valuation product provided within tolerance. | 04/24/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 409012931 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2025 | Waived | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX% The max LTV of the Agency program is XXX% | ; ; | 04/24/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX) XXX% DTI XXX) borrower has been in the same line of work XXX+ years XXX) mortgages paid as agreed since XX/XX/XXXX. | 04/24/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 409012931 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2025 | Resolved | FPRO0383 | Property | FEMA Post Disaster Inspection Report not Provided | The subject property is a FEMA disaster case; however, the inspection report was not provided. | ; XXX to order PDI. Nothing needed from XXX. ; Seller to provide post disaster inspection report. | 04/24/2025 | FEMA Post Disaster Inspection report was provided.; FEMA Disaster Disaster Declaration. Incident Period: XX/XX/XXXX - XX/XX/XXXX missing PDI | 04/24/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 409012934 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2025 | Resolved | FCRE6019 | Credit | Borrower 1 Citizenship Documentation not provided | Borrower 1 Citizenship Documentation Is Missing | ; ; | 04/24/2025 | Citizenship Documentation is provided. | 04/24/2025 | Borrower has stable job time \| Qualifying DTI below max allowed. A |
| 409012934 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2025 | Waived | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% Per Agency Program guide the maximum HLTV is XXX% | ; | 04/24/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX) DTI XXX% XXX) XXX FICO XXX) the borrower has been on job XXX+ years. | 04/24/2025 | Borrower has stable job time \| Qualifying DTI below max allowed. C A |
| 409012934 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2025 | Waived | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline CLTV of XXX% Per Agency Program guide the maximum LTV is XXX% | ; | 04/24/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX) DTI XXX% XXX) XXX FICO XXX) the borrower has been on job XXX+ years. | 04/24/2025 | Borrower has stable job time \| Qualifying DTI below max allowed. C A |
| 409012934 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/18/2025 | Resolved | FCRE0386 | Credit | Borrower 1 Photo Identification not provided | Borrower 1 Photo Identification not provided. | ; ; Document Uploaded. Documentation received, XXX to review.; | 04/24/2025 | Receive valid ID for borrower ; Photo Identification provided. | 04/24/2025 | Borrower has stable job time \| Qualifying DTI below max allowed. A |
| 409012934 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/18/2025 | Resolved | FCRE0387 | Credit | Borrower 2 Photo Identification not provided | Borrower 2 Photo Identification not provided. | ; ; Document Uploaded. Documentation received, XXX to review.; | 04/24/2025 | Received valid ID for borrower ; Photo Identification provided. | 04/24/2025 | Borrower has stable job time \| Qualifying DTI below max allowed. A |
| 409012934 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/21/2025 | Resolved | FVAL3825 | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. | ; XXX to order. Nothing needed from XXX at this time. Thank you! ; | 04/24/2025 | Property Inspection Provided. | 04/24/2025 | Borrower has stable job time \| Qualifying DTI below max allowed. C A |
| 409012934 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/21/2025 | Resolved | FPRO0383 | Property | FEMA Post Disaster Inspection Report not Provided | The subject property is a FEMA disaster case; however, the inspection report was not provided. |  | 04/24/2025 | FEMA Post Disaster Inspection report was provided. | 04/24/2025 | Borrower has stable job time \| Qualifying DTI below max allowed. A |
| 409012934 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2025 | Resolved | FCRE6914 | Credit | Borrower 2 Citizenship Documentation not provided | Borrower 2 Citizenship Documentation Is Missing |  | 04/21/2025 | Citizenship Documentation is provided. | 04/24/2025 | Borrower has stable job time \| Qualifying DTI below max allowed. A |
| 409012934 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2025 | Waived | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | MISSING MORTGAGE Statement for XXX | ; ; | 04/22/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following: Subject Note date of XX/XX/XXXX. Property sold on XX/XX/XXXX. XXX provided to confirm sale. | 04/22/2025 | Borrower has stable job time \| Qualifying DTI below max allowed. A |
| 409012940 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/21/2025 | Waived | FCRE1188 | Credit | Audited CLTV Exceeds AUS CLTV | Audited CLTV of XXX% exceeds AUS CLTV of XXX% | ; | 04/24/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX) DTI XXX% XXX) XXX FICO XXX) borrower has been in the same line of work XXX years. | 04/24/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. B A |
| 409012940 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/21/2025 | Waived | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline CLTV of XXX% | ; | 04/24/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX) DTI XXX% XXX) XXX FICO XXX) borrower has been in the same line of work XXX years. | 04/24/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. B A |
| 409012940 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/21/2025 | Waived | FCRE1189 | Credit | Audited HCLTV Exceeds AUS HCLTV | Audited HCLTV of XXX% exceeds AUS HCLTV of XXX% | ; | 04/24/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX) DTI XXX% XXX) XXX FICO XXX) borrower has been in the same line of work XXX years. | 04/24/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. B A |
| 409012940 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/21/2025 | Waived | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% | ; | 04/24/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX) DTI XXX% XXX) XXX FICO XXX) borrower has been in the same line of work XXX years. | 04/24/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. B A |
| 409012940 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/21/2025 | Waived | FCRE1187 | Credit | Audited LTV Exceeds AUS LTV | Audited LTV of XXX% exceeds AUS CLTV of XXX% | ; | 04/24/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX) DTI XXX% XXX) XXX FICO XXX) borrower has been in the same line of work XXX years. | 04/24/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. B A |
| 409012940 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/21/2025 | Waived | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX% | ; | 04/24/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX) DTI XXX% XXX) XXX FICO XXX) borrower has been in the same line of work XXX years. | 04/24/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. B A |
| 409012940 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/18/2025 | Resolved | FCRE0387 | Credit | Borrower 2 Photo Identification not provided | Borrower 2 Photo Identification not provided. | ; Document Uploaded. Documentation received, XXX to review.; Still missing photo ID for co-borrower (XXX). ; Document Uploaded. Documentation received, XXX to review.; | 04/24/2025 | Photo Identification provided.; Borrower 2 Photo Identification not provided. Duplicate B1 id provided; B2 not provided, duplicate B1 provided | 04/24/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. B A |
| 409012940 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2025 | Resolved | FPRO1296 | Property | Was lowest appraised value used to qualify is No | Two appraisals in file, however the lowest appraised value was not used to qualify. The file contains XXX appraisals performed by the same appraiser, dated the same date, using the exact same comparable sales with only a change made to the adjustments to the gross living area of the comps. The original appraised value of $XXX supports the original purchase price of $XXX per the purchase contract and the increase in price to approximately $XXXK-$XXX referenced on the Lender's internal notes. The final purchase price of $XXX comes from an addendum dated XXX adding $XXX to the original price in the form of interest and upgrades, no change in square footage. | ; | 04/21/2025 | Valuation used for LTV meets guidelines.; Per client request, updating lowest value of $XXX for qualifying value. | 04/24/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. B A |
| 409012940 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The file contains XXX appraisals; however, they are both done by the same appraiser, dated the same date, using the exact same comps with only adjustments made to square footage of the comps. Both UCDP reports in file have CU score of XXX and based on review of the lower appraisal value of $XXXK. No UCDP or Desktop Analysis has been provided on the Appraised Value of $XXXK. | ; Document Uploaded. Documentation received, XXX to review.; ; Seller to provide acceptable CDA | 04/22/2025 | Third party valuation product provided within tolerance.; RDA provided | 04/24/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. B A |
| 409012940 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/18/2025 | Resolved | FCRE0386 | Credit | Borrower 1 Photo Identification not provided | Borrower 1 Photo Identification not provided. | ; Document Uploaded. Documentation received, XXX to review.; | 04/22/2025 | Photo Identification provided.; B1 ID provided | 04/24/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. B A |
| 409012933 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | MISSING MORTGAGE Statement to verify PITIA for primary residence at XXX | ; Document Uploaded. Documentation received, XXX to review.; ; ; | 04/22/2025 | Received Statement for primary at XXX to confirm PITIA | 04/22/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 409012933 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/18/2025 | Resolved | FCRE0386 | Credit | Borrower 1 Photo Identification not provided | Borrower 1 Photo Identification not provided. | ; Document Uploaded. Documentation received, XXX to review.; | 04/22/2025 | Received Valid ID from borrower ; Photo Identification provided. | 04/22/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 409012933 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2025 | Resolved | FCRE6019 | Credit | Borrower 1 Citizenship Documentation not provided | Borrower 1 Citizenship Documentation Is Missing | ; | 04/22/2025 | Citizenship Documentation is provided. | 04/22/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 409012933 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. UCDP score is XXX | ; Document Uploaded. Documentation received, XXX to review.; Document Uploaded. Documentation received, XXX to review.; Seller to provide acceptable CDA. | 04/22/2025 | Desktop Analysis received, supports value ; Third party valuation product provided within tolerance. | 04/22/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 409012933 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/18/2025 | Resolved | FCRE0387 | Credit | Borrower 2 Photo Identification not provided | Borrower 2 Photo Identification not provided. | ; Document Uploaded. Documentation received, XXX to review.; | 04/22/2025 | Received valid ID for borrower ; Photo Identification provided. | 04/22/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 409012933 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2025 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of ($XXX) is insufficient, not meeting the required coverage amount of ($XXX). | ; | 04/21/2025 | The Total Hazard Coverage is greater than or equal to the Required Coverage Amount; The hazard insurance dwelling coverage of ($XXX) is insufficient, not meeting the required coverage amount of ($XXX). | 04/22/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 409012933 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2025 | Resolved | FCRE6914 | Credit | Borrower 2 Citizenship Documentation not provided | Borrower 2 Citizenship Documentation Is Missing |  | 04/21/2025 | Citizenship Documentation is provided. | 04/22/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 409012933 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2025 | Resolved | FCRE1328 | Credit | Borrower 1 W2/XXX Missing | Borrower 1 W2/XXX Missing. Missing XXX W-XXX for B1 XXX-S reflects compensation to officers of $XXX | ; | 04/21/2025 | Borrower 1 W2/XXX Provided | 04/22/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 409012367 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409012935 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2025 | Resolved | FCRE6019 | Credit | Borrower 1 Citizenship Documentation not provided | Borrower 1 Citizenship Documentation Is Missing The borrower wrote her DL info on pg255, however, there is no ID or Patriot Act form in the loan file. | ; ; | 04/22/2025 | Citizenship Documentation is provided. | 04/22/2025 | 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% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 409012935 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing required mortgage Statements for XXX, XXX, XXX and XXX. | ; ; Document Uploaded. Documentation received, XXX to review.; | 04/22/2025 | Seller provided missing Statements | 04/22/2025 | 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% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 409012935 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/18/2025 | Resolved | FCRE0386 | Credit | Borrower 1 Photo Identification not provided | Borrower 1 Photo Identification not provided. | ; Document Uploaded. Documentation received, XXX to review.; | 04/22/2025 | Photo Identification provided. | 04/22/2025 | 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% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 409012923 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2025 | Resolved | FCRE1319 | Credit | Borrower 1 Personal Tax Returns Missing | Borrower 1 Personal Tax Returns Missing Verification of K-XXX income: The borrower must provide the most recent two years of signed individual federal income tax returns, and IRS schedule K-XXX. | ; ; ; Only XXX business returns in file. ; | 05/27/2025 | a copy of financials or bank account Statements is acceptable per AUS; Borrower 1 Personal Tax Returns Provided | 05/27/2025 | Original LTV is Below the Guideline Maximum - Compensating Factors acknowledged in error. \| Original CLTV is Below the Guideline Maximum - Compensating Factors acknowledged in error. \| is Greater than the Guideline Minimum - Compensating Factors acknowledged in error. D A |
| 409012923 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2025 | Resolved | FCRE6019 | Credit | Borrower 1 Citizenship Documentation not provided | Borrower 1 Citizenship Documentation Is Missing | ; ; Document Uploaded. ID received, in XXX review. ; | 04/24/2025 | Citizenship Documentation is provided. | 04/24/2025 | Original LTV is Below the Guideline Maximum - Compensating Factors acknowledged in error. \| Original CLTV is Below the Guideline Maximum - Compensating Factors acknowledged in error. \| is Greater than the Guideline Minimum - Compensating Factors acknowledged in error. D A |
| 409012923 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2025 | Resolved | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% Difference is due to the qualifying income. There is a K-XXX in the file to support other income of $XXX per month., that also shows rental loss in the amount of $XXX that was not addressed. DTI still remains below maximum of XXX% | ; In XXX review, nothing needed from the seller at this time. Thank you! ; ; | 04/24/2025 | Audited DTI of XXX% is less than or equal to AUS DTI of XXX%; ; Audited DTI of XXX% exceeds AUS DTI of XXX% Difference is due to the qualifying income. There is a K-XXX in the file to support other income of $XXX per month., that also shows rental loss in the amount of $XXX that was not addressed. DTI still remains below maximum of XXX% | 04/24/2025 | Original LTV is Below the Guideline Maximum - Compensating Factors acknowledged in error. \| Original CLTV is Below the Guideline Maximum - Compensating Factors acknowledged in error. \| is Greater than the Guideline Minimum - Compensating Factors acknowledged in error. D A |
| 409012923 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to confirm the Affiliated Business Disclosure was sent within the XXX days of application. | ; | 04/17/2025 | Required Affiliated Business Disclosure Documentation Provided | 04/24/2025 | Original LTV is Below the Guideline Maximum - Compensating Factors acknowledged in error. \| Original CLTV is Below the Guideline Maximum - Compensating Factors acknowledged in error. \| is Greater than the Guideline Minimum - Compensating Factors acknowledged in error. D A |
| 409012923 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Per AUS findings, document any deposit that exceeds $XXX. Missing documentation regarding the following deposits to XXX acct #XXX: $XXX on XX/XX/XXXX, $XXX on XX/XX/XXXX. | ; Document Uploaded. Documentation received, XXX to review.; | 04/22/2025 | Asset Qualification Meets Guideline Requirements | 04/24/2025 | Original LTV is Below the Guideline Maximum - Compensating Factors acknowledged in error. \| Original CLTV is Below the Guideline Maximum - Compensating Factors acknowledged in error. \| is Greater than the Guideline Minimum - Compensating Factors acknowledged in error. D A |
| 409012923 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2025 | Resolved | FCRE1497 | Credit | ATR: Reasonable Income or Assets Not Considered | ATR: Reasonable Income or Assets Not Considered Loan file is missing asset & full income verification according to AUS findings. | ; Document Uploaded. | 04/24/2025 | ATR: Reasonable Income or Assets Was Considered | 04/24/2025 | Original LTV is Below the Guideline Maximum - Compensating Factors acknowledged in error. \| Original CLTV is Below the Guideline Maximum - Compensating Factors acknowledged in error. \| is Greater than the Guideline Minimum - Compensating Factors acknowledged in error. D A |
| 409012938 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The collateral Underwriter risk Score is XXX | ; ; ; Document Uploaded. Documentation received, XXX to review.; Document Uploaded. Documentation received, XXX to review.; Seller to provide CDA | 04/23/2025 | Desktop analysis received, supports value ; Third party valuation product provided within tolerance. | 04/23/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 409012938 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/18/2025 | Resolved | FCRE0386 | Credit | Borrower 1 Photo Identification not provided | Borrower 1 Photo Identification not provided. | ; ; Document Uploaded. Documentation received, XXX to review.; | 04/22/2025 | Received valid borrower ID ; Photo Identification provided. | 04/22/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 409012938 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2025 | Resolved | FCRE6019 | Credit | Borrower 1 Citizenship Documentation not provided | Borrower 1 Citizenship Documentation Is Missing | ; ; | 04/22/2025 | Citizenship Documentation is provided. | 04/22/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 409012918 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2025 | Resolved | FPRO3678 | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. Appraisal was done as subject to completion. property was under the construction and the final inspection on file shows the improvements have not been completed. All work is completed as appraised with the exception of downspouts and gutters at est cost of $XXX | ; Document Uploaded. Documentation received, XXX to review.; Please see updated condition. Seller to provide a copy of the final inspection that was completed on XX/XX/XXXX. ; Document Uploaded. ; Document Uploaded. ; | 04/24/2025 | The lender provided evidence that all work has been completed.; The issue with the property has been resolved.; Letter and pictures provided that State on XX/XX/XXXX a final inspection noted that all work was completed. Please provide final inspection. | 04/24/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time \| Original LTV is Below the Guideline Maximum A |
| 409012918 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2025 | Resolved | FCRE6019 | Credit | Borrower 1 Citizenship Documentation not provided | Borrower 1 Citizenship Documentation Is Missing missing copy of ID | ; ; Document Uploaded. ID received, in XXX review ; | 04/24/2025 | Citizenship Documentation is provided.; B1 ID Provided | 04/24/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time \| Original LTV is Below the Guideline Maximum A |
| 409012918 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2025 | Resolved | FCRE6914 | Credit | Borrower 2 Citizenship Documentation not provided | Borrower 2 Citizenship Documentation Is Missing missing copy of ID | ; Document Uploaded. ID received, in XXX review. ; | 04/22/2025 | Citizenship Documentation is provided.; B2 ID provided | 04/24/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time \| Original LTV is Below the Guideline Maximum A |
| 409012918 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to confirm the Affiliated Business Disclosure was sent within the XXX days of application. | ; | 04/17/2025 | Required Affiliated Business Disclosure Documentation Provided | 04/24/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time \| Original LTV is Below the Guideline Maximum A |
| 409012918 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2025 | Waived | FCRE8201 | Credit | Loan does not conform to program guidelines | Initial credit documents are dated XX/XX/XXXX and the Note is dated XX/XX/XXXX. All initial credit documents are greater than XXX days from the Note date. | ; | 04/16/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX) XXX% LTV XXX) borrower has been with same employer XXX+ years XXX) XXX% DTI. | 04/16/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time \| Original LTV is Below the Guideline Maximum A |
| 409012941 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The UCDP CU score is XXX, requiring a Desktop Analysis of the subject property. There is no 3rd Party Valuation Product in file. | ; ; ; third party verification of self employment provided ; Document Uploaded. Documentation received, XXX to review.; Document Uploaded. Documentation received, XXX to review.; Seller to provide acceptable CDA | 05/27/2025 | Third party valuation product provided within tolerance. | 05/27/2025 | is Greater than the Guideline Minimum \| Original LTV is Below the Guideline Maximum \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. \| Borrower has stable job time - Borrower has XXX years on job. A |
| 409012941 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/18/2025 | Resolved | FCRE1322 | Credit | Borrower 1 Business Tax Returns Missing | Borrower 1 Business Tax Returns Missing Borrower is XXX% owner of XXX XXX-S business. AUS required one full year of business returns which were not provided. Borrower is XXX% owner of XXX AUS required one full year of business returns which were not provided. | ; Sellers response: I used his XXX & XXX personal tax returns and K-XXX's. CTC was $XXXk and he had over $XXXk of personal funds. ; ; Document Uploaded. Documentation received, XXX to review.; ; ; ; | 04/24/2025 | Borrower 1 Business Tax Returns Provided; Business tax returns not required per AUS. Borrower's XXX years of 1040s meet requirements provided on AUS.; Exception Countered Per AUS required one full year of business returns | 04/24/2025 | is Greater than the Guideline Minimum \| Original LTV is Below the Guideline Maximum \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. \| Borrower has stable job time - Borrower has XXX years on job. A |
| 409012941 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/18/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing AUS required income documentation | ; ; I used his XXX & XXX personal tax returns and K-XXX's. CTC was $XXXk and he had over $XXXk of personal funds. ; ; Document Uploaded. Documentation received, XXX to review.; ; | 04/24/2025 | Income and Employment Meet Guidelines; Exception Countered Per AUS required one full year of business returns | 04/24/2025 | is Greater than the Guideline Minimum \| Original LTV is Below the Guideline Maximum \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. \| Borrower has stable job time - Borrower has XXX years on job. A |
| 409012941 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Although OFAC searches have been provided, the required 3rd Party Fraud Report is not in file. | ; ; | 04/21/2025 | Third Party Fraud Report is provided | 04/24/2025 | is Greater than the Guideline Minimum \| Original LTV is Below the Guideline Maximum \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. \| Borrower has stable job time - Borrower has XXX years on job. A |
| 409012941 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/18/2025 | Resolved | FCRE0386 | Credit | Borrower 1 Photo Identification not provided | Borrower 1 Photo Identification not provided. | ; Document Uploaded. Documentation received, XXX to review.; | 04/21/2025 | Photo Identification provided. | 04/24/2025 | is Greater than the Guideline Minimum \| Original LTV is Below the Guideline Maximum \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. \| Borrower has stable job time - Borrower has XXX years on job. A |
| 409012941 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The Borrower owns XXX companies from which income is being used to qualify. 3rd Party verifications dated XXX have been provided for XXX of the companies; however, no 3rd party verification has been provided for the XXX. | ; Document Uploaded. Documentation received, XXX to review.; | 04/22/2025 | Borrower 1 3rd Party VOE Prior to Close Was Provided | 04/24/2025 | is Greater than the Guideline Minimum \| Original LTV is Below the Guideline Maximum \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. \| Borrower has stable job time - Borrower has XXX years on job. A |
| 409012939 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. CU score above XXX but no CDA on file | ; ; ; Document Uploaded. Documentation received, XXX to review.; Document Uploaded. Documentation received, XXX to review.; Seller to provide CDA. | 05/27/2025 | Desktop analysis received, supports value ; Third party valuation product provided within tolerance. | 05/27/2025 | is Greater than the Guideline Minimum \| Original LTV is Below the Guideline Maximum \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| 409012939 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/18/2025 | Resolved | FCRE0386 | Credit | Borrower 1 Photo Identification not provided | Borrower 1 Photo Identification not provided. | ; ; Document Uploaded. Documentation received, XXX to review.; | 04/22/2025 | Valid Borrower ID received ; Photo Identification provided. | 04/22/2025 | is Greater than the Guideline Minimum \| Original LTV is Below the Guideline Maximum \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| 409012939 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2025 | Waived | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Max DTI is XXX% | ; | 04/22/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX) XXX FICO XXX) XXX% LTV XXX) borrower has owned primary residence XXX years. | 04/22/2025 | is Greater than the Guideline Minimum \| Original LTV is Below the Guideline Maximum \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| 409012943 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/19/2025 | Waived | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (XXX CFR XXX(a) (XXX)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). Missing proof the borrower received a copy of the appraisal prior to closing. The Appraisal Acknowledgement (pg. XXX) does not provide sufficient evidence whether the appraisal was delivered to the Borrower prior to the consummation date of XX/XX/XXXX. | ; ; | 04/23/2025 | Client acknowledges EV2/B finding. Exception status changed to Waived per client's email request. | 04/23/2025 | Original LTV is Below the Guideline Maximum \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time \| Qualifying DTI below max allowed. \| is Greater than the Guideline Minimum A |
| 409012943 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/21/2025 | Waived | FCRE1480 | Credit | Asset XXX Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements Missing required two months of complete bank Statements for accts #XXX and XXX; Statements provided are incomplete. Also, the Note is dated XX/XX/XXXX, and the most recent Statement provided is dated XX/XX/XXXX. | ; Seller to provide updated bank Statements if available. ; ; | 04/23/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX) XXX% LTV XXX) XXX% DTI XXX) XXX FICO. | 04/23/2025 | Original LTV is Below the Guideline Maximum \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time \| Qualifying DTI below max allowed. \| is Greater than the Guideline Minimum A |
| 409012943 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/18/2025 | Waived | FCRE1479 | Credit | Asset XXX Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. Asset of $XXX is borrowed funds which is not allowed per FNMA guidelines. A lender approved exception was granted. | ; | 04/23/2025 | The loan file contains a lender approved a loan exception dated XX/XX/XXXX. Compensating factors include: XXX) High credit scores XXX) Stable jobs XXX) DTI of XXX, and XXX) LTV of XXX%. | 04/23/2025 | Original LTV is Below the Guideline Maximum \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time \| Qualifying DTI below max allowed. \| is Greater than the Guideline Minimum A |
| 409012943 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/18/2025 | Waived | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Borrower is taking unsecured loan from his relative for $XXXK. He is using this for the down payment and reserves. FNMA does not allow unsecured funds to be considered. A lender exception was granted to allow these funds to used. compensating factors noted are high credit scores, stable jobs and low LTV | ; | 04/23/2025 | Borrower took out an unsecured loan from his relative for $XXXK. He used these funds for the closing costs and reserves. FNMA does not allow unsecured funds to be considered. The loan file contains a lender approved a loan exception dated XX/XX/XXXX. Compensating factors include: XXX) High credit scores XXX) Stable jobs XXX) DTI of XXX, and XXX) LTV of XXX%. | 04/23/2025 | Original LTV is Below the Guideline Maximum \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time \| Qualifying DTI below max allowed. \| is Greater than the Guideline Minimum A |
| 409012943 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/21/2025 | Waived | FCRE1481 | Credit | Asset XXX Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements Missing required two months of complete bank Statements for accts #XXX and XXX; Statements provided are incomplete. Also, the Note is dated XX/XX/XXXX, and the most recent Statement provided is dated XX/XX/XXXX. | ; | 04/23/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX) XXX% LTV XXX) XXX% DTI XXX) XXX FICO. | 04/23/2025 | Original LTV is Below the Guideline Maximum \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time \| Qualifying DTI below max allowed. \| is Greater than the Guideline Minimum A |
| 409012943 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/18/2025 | Resolved | FCRE0386 | Credit | Borrower 1 Photo Identification not provided | Borrower 1 Photo Identification not provided. | ; Document Uploaded. | 04/23/2025 | Photo Identification provided. | 04/23/2025 | Original LTV is Below the Guideline Maximum \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time \| Qualifying DTI below max allowed. \| is Greater than the Guideline Minimum A |
| 409012943 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/18/2025 | Resolved | FCRE0387 | Credit | Borrower 2 Photo Identification not provided | Borrower 2 Photo Identification not provided. | ; Document Uploaded. | 04/23/2025 | Photo Identification provided. | 04/23/2025 | Original LTV is Below the Guideline Maximum \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time \| Qualifying DTI below max allowed. \| is Greater than the Guideline Minimum A |
| 409012943 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/21/2025 | Waived | FCRE8201 | Credit | Loan does not conform to program guidelines | The initial XXX and initial disclosures are dated XX/XX/XXXX, and the Note is dated XX/XX/XXXX. FNMA limit is XXX days before the note date. | ; | 04/22/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX) High credit scores XXX) Stable jobs XXX) DTI of XXX, and XXX) LTV of XXX%. | 04/22/2025 | Original LTV is Below the Guideline Maximum \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time \| Qualifying DTI below max allowed. \| is Greater than the Guideline Minimum A |
| 409012928 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2025 | Resolved | FCRE5770 | Credit | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. the most recent credit report for borrower #XXX was dated XX/XX/XXXX. DU on file shows that the credit report was pulled on XX/XX/XXXX for the borrower #XXX. This credit report is missing from the file. | ; ; Document Uploaded. CBR received, in XXX review. ; | 04/23/2025 | Borrower 1 Credit Report is not missing. | 05/27/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 409012928 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/22/2025 | Resolved | FCRE0387 | Credit | Borrower 2 Photo Identification not provided | Borrower 2 Photo Identification not provided. | ; ; | 04/23/2025 | ; Borrower 2 Photo Identification not provided.; Client accepts copy of driver's license based on aged loan and quality of copy provided. ; Unable to read document provided | 04/23/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 409012928 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2025 | Resolved | FCRE6019 | Credit | Borrower 1 Citizenship Documentation not provided | Borrower 1 Citizenship Documentation Is Missing | ; ; Document Uploaded. ID received, in XXX review. ; | 04/23/2025 | Citizenship Documentation is provided. | 04/23/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 409012928 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Note date is XX/XX/XXXX. missing verbal VOE within XXX days of the note date | ; Document Uploaded. VOE received, in XXX review. ; ; Unable to locate VOE in the loan file; ; | 04/23/2025 | Borrower 1 3rd Party VOE Prior to Close Was Provided | 04/23/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 409012928 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2025 | Resolved | FCRE6914 | Credit | Borrower 2 Citizenship Documentation not provided | Borrower 2 Citizenship Documentation Is Missing | ; Document Uploaded. ID received, in XXX review. ; | 04/23/2025 | Citizenship Documentation is provided. | 04/23/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 409012928 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2025 | Resolved | FCRE1495 | Credit | ATR: Current Employment Not Verified | ATR: Current Employment Not Verified Missing 3rd party VOE prior to close for both borrowers. | ; Document Uploaded. ; ; | 04/23/2025 | ATR: Current Employment Was Verified | 04/23/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 409012928 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | XXX owns w properties. provide verification of property taxes for the property XXX and verification of hazard insurance for the property XXX | ; | 04/17/2025 |  | 04/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 409012929 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2025 | Waived | FCRE1495 | Credit | ATR: Current Employment Not Verified | ATR: Current Employment Not Verified Missing 3rd party VOE for B1. | ; | 04/23/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX) XXX% DTI XXX) XXX FICO XXX) borrower has been in the same line of work XXX+ years | 04/23/2025 | Qualifying DTI below max allowed. \| Borrower has stable job time \| is Greater than the Guideline Minimum C A |
| 409012929 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2025 | Resolved | FCRE6019 | Credit | Borrower 1 Citizenship Documentation not provided | Borrower 1 Citizenship Documentation Is Missing | ; Document Uploaded. ID received, in XXX review. ; | 04/23/2025 | Citizenship Documentation is provided. | 04/23/2025 | Qualifying DTI below max allowed. \| Borrower has stable job time \| is Greater than the Guideline Minimum A |
| 409012929 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2025 | Waived | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Note is dated XX/XX/XXXX. Provide verbal verification of employment no more than XXX business days prior to the note date | ; | 04/23/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX) XXX% DTI XXX) XXX FICO XXX) borrower has been in the same line of work XXX+ years. | 04/23/2025 | Qualifying DTI below max allowed. \| Borrower has stable job time \| is Greater than the Guideline Minimum A |
| 409012929 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2025 | Resolved | FCRE6914 | Credit | Borrower 2 Citizenship Documentation not provided | Borrower 2 Citizenship Documentation Is Missing | ; Document Uploaded. ID received, in XXX review. ; | 04/23/2025 | Citizenship Documentation is provided. | 04/23/2025 | Qualifying DTI below max allowed. \| Borrower has stable job time \| is Greater than the Guideline Minimum A |
| 409012944 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/19/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. UCDP CU Score is XXX. A Collateral Desk Review (CDA) is required when CU Score is greater than XXX to support the. | ; Document Uploaded. | 04/24/2025 | Third party valuation product provided within tolerance.; No Document provided | 04/24/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 409012944 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/23/2025 | Resolved | FCRE1190 | Credit | Audited FICO is less than AUS FICO | Audited FICO of XXX is less than AUS FICO of XXX. |  | 04/24/2025 | Audited FICO of XXX is equal to or greater than AUS FICO of XXX | 04/24/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 409012944 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/18/2025 | Resolved | FCRE5770 | Credit | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. Missing credit report for Borrower 1. | ; ; ; | 04/23/2025 | Borrower 1 Credit Report is not missing. | 04/23/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 409012944 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/18/2025 | Resolved | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is Missing. MISSING MORTGAGE payment history. | ; | 04/23/2025 | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is not Missing | 04/23/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 409012944 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/19/2025 | Resolved | FCRE1480 | Credit | Asset XXX Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements Please provide documentation that verifies the terms of the loan and the fact that it is secured for the amount of $XXX included in the available funds as required per AUS. | ; Document Uploaded. Documentation received, XXX to review.; ; ; ; | 04/23/2025 | Asset Record XXX Meets G/L Requirements Or Not Applicable | 04/23/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 409012944 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/19/2025 | Resolved | FCRE0386 | Credit | Borrower 1 Photo Identification not provided | Borrower 1 Photo Identification not provided. Please provide a copy of a government issued ID or fully completed Patriot Act Form. |  | 04/23/2025 | Photo Identification provided. | 04/23/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 409012944 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/19/2025 | Resolved | FCRE0387 | Credit | Borrower 2 Photo Identification not provided | Borrower 2 Photo Identification not provided. Please provide a copy of a government issued ID or fully completed Patriot Act Form. |  | 04/23/2025 | Photo Identification provided. | 04/23/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 409012944 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/22/2025 | Resolved | FVAL3825 | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. | ; Document Uploaded. ; XXX to order PDI. Nothing needed from XXX. | 04/23/2025 | Property Inspection Provided. | 04/23/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 409012944 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/22/2025 | Resolved | FPRO0383 | Property | FEMA Post Disaster Inspection Report not Provided | The subject property is a FEMA disaster case; however, the inspection report was not provided. |  | 04/23/2025 | FEMA Post Disaster Inspection report was provided. | 04/23/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 409012948 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/18/2025 | Waived | FCRE1199 | Credit | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Audited Loan Amount of $XXX is greater than the Guideline Maximum Loan Amount of $XXX AUS is approve ineligible due to the loan amount exceeding max $XXX. The loan file contains a lender approved exception for loan amount over eligible FNMA limit. | ; | 04/23/2025 | Lender approved an exception for the loan amount exceeding FNMA limits. Compensating factors identified: XXX) DTI of XXX, XXX) LTV of XXX%, and XXX) Cash reserves of XXX months. | 04/23/2025 | Original LTV is Below the Guideline Maximum \| Borrower has stable job time \| Qualifying DTI below max allowed. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 409012948 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/18/2025 | Resolved | FCRE0386 | Credit | Borrower 1 Photo Identification not provided | Borrower 1 Photo Identification not provided. |  | 04/23/2025 | Photo Identification provided. | 04/23/2025 | Original LTV is Below the Guideline Maximum \| Borrower has stable job time \| Qualifying DTI below max allowed. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 409012948 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/18/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. UCDP CU score of XXX. Missing supporting desk top appraisal. |  | 04/23/2025 | Third party valuation product provided within tolerance. | 04/23/2025 | Original LTV is Below the Guideline Maximum \| Borrower has stable job time \| Qualifying DTI below max allowed. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 409012948 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/18/2025 | Resolved | FCRE0387 | Credit | Borrower 2 Photo Identification not provided | Borrower 2 Photo Identification not provided. |  | 04/23/2025 | Photo Identification provided. | 04/23/2025 | Original LTV is Below the Guideline Maximum \| Borrower has stable job time \| Qualifying DTI below max allowed. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 409012948 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/21/2025 | Waived | FCRE8201 | Credit | Loan does not conform to program guidelines | The Initial XXX and credit disclosures are dated greater than XXX days from the Note date of XX/XX/XXXX. |  | 04/23/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX) borrower has been on the job XXX+ years XXX) XXX% LTV XXX) XXX% DTI. | 04/23/2025 | Original LTV is Below the Guideline Maximum \| Borrower has stable job time \| Qualifying DTI below max allowed. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 409012947 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/18/2025 | Waived | FCRE1199 | Credit | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Audited Loan Amount of $XXX is greater than the Guideline Maximum Loan Amount of $XXX Loan file contains a lender approved exception for the loan amount exceeding max agency limit. | ; | 04/24/2025 | Lender exception in loan file for loan amount. Comp factors not provided. | 04/24/2025 | Borrower has stable job time - Acknowledged in error. D C |
| 409012947 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/18/2025 | Waived | FCRE1197 | Credit | Audited FICO is less than Guideline FICO | Audited FICO of XXX is less than Guideline FICO of XXX. Per guidelines minimum FICO is XXX. | ; | 04/24/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX) co-borrower has been on job XXX+ years XXX) borrower owned departing XXX+ years XXX) borrowers have $XXX in residual income. | 04/24/2025 | Borrower has stable job time - Acknowledged in error. D C |
| 409012947 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/18/2025 | Waived | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Per guidelines, max DTI is XXX%. | ; ; | 04/24/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX) co-borrower has been on job XXX+ years XXX) borrower owned departing XXX+ years XXX) borrowers have $XXX in residual income. | 04/24/2025 | Borrower has stable job time - Acknowledged in error. D C |
| 409012947 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/18/2025 | Resolved | FCRE1497 | Credit | ATR: Reasonable Income or Assets Not Considered | ATR: Reasonable Income or Assets Not Considered Final 1003 shows $XXX in checking account with XXX acct#XXX and proceeds from the sale of the departure residence $XXX. Only verified the proceeds from the sale and no additional assets were on file. Borrowers are short $XXX in additional liquid assets. | ; ; | 04/24/2025 | Missing bank Statements provided.; ATR: Reasonable Income or Assets Was Considered | 04/24/2025 | Borrower has stable job time - Acknowledged in error. D C |
| 409012947 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/22/2025 | Resolved | FVAL3825 | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. |  | 04/24/2025 | Property Inspection Provided. | 04/24/2025 | Borrower has stable job time - Acknowledged in error. D C |
| 409012947 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/22/2025 | Resolved | FPRO0383 | Property | FEMA Post Disaster Inspection Report not Provided | The subject property is a FEMA disaster case; however, the inspection report was not provided. | ; | 04/24/2025 | FEMA Post Disaster Inspection report was provided. | 04/24/2025 | Borrower has stable job time - Acknowledged in error. D |
| 409012947 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/18/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Note date is XX/XX/XXXX. No verbal VOE was on file from XXX within XXX business days of the note date. | ; Document Uploaded. Documentation received, XXX to review.; Unable to locate VOE in the loan file. ; | 04/24/2025 | Borrower 1 3rd Party VOE Prior to Close Was Provided | 04/24/2025 | Borrower has stable job time - Acknowledged in error. D |
| 409012947 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/18/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements credit report shows late payments for 1st lien and HELOC on the departure residence. It does not show the dates when the payments were done late. provide verification of mortgages to support no late payments within last XXX months XXX | ; | 04/24/2025 | Housing History Meets Guideline Requirements | 04/24/2025 | Borrower has stable job time - Acknowledged in error. D C |
| 409012947 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/18/2025 | Resolved | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is Missing. credit report shows late payments for 1st lien and HELOC on the departure residence. It does not show the dates when the payments were done late. provide verification of mortgages to support no late payments within last XXX months XXX | ; Document Uploaded. Documentation received, XXX to review. | 04/24/2025 | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is not Missing | 04/24/2025 | Borrower has stable job time - Acknowledged in error. D |
| 409012947 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/18/2025 | Resolved | FCRE0386 | Credit | Borrower 1 Photo Identification not provided | Borrower 1 Photo Identification not provided. | ; Document Uploaded. | 04/24/2025 | Photo Identification provided. | 04/24/2025 | Borrower has stable job time - Acknowledged in error. D |
| 409012947 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/18/2025 | Resolved | FCRE0387 | Credit | Borrower 2 Photo Identification not provided | Borrower 2 Photo Identification not provided. | ; Document Uploaded. | 04/24/2025 | Photo Identification provided. | 04/24/2025 | Borrower has stable job time - Acknowledged in error. D |
| 409012947 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/18/2025 | Resolved | FCRE4989 | Credit | Collections, liens or judgments not paid at closing | HUD XXX from sale of the departure residence XXX does not reflect the payoff XXX HELOC with the balance $XXX | ; Document Uploaded. Documentation received, XXX to review.; | 04/24/2025 |  | 04/24/2025 | Borrower has stable job time - Acknowledged in error. D C |
| 409012945 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/21/2025 | Resolved | FCRE1497 | Credit | ATR: Reasonable Income or Assets Not Considered | ATR: Reasonable Income or Assets Not Considered According to the Lender's income calculation worksheet, the primary borrower has been qualified using income from his XXX business tax returns and K-XXX income. These have not been provided for either company he has listed on his Final 1003 as required by DU. |  | 04/24/2025 | XXX-S K1s provided; ATR: Reasonable Income or Assets Was Considered | 04/24/2025 | is Greater than the Guideline Minimum \| Qualifying DTI below max allowed. B C A |
| 409012945 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/21/2025 | Waived | FCRE1199 | Credit | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Audited Loan Amount of $XXX is greater than the Guideline Maximum Loan Amount of $XXX | ; | 04/24/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX) XXX FICO XXX) XXX% DTI XXX) $XXX in reserves. | 04/24/2025 | is Greater than the Guideline Minimum \| Qualifying DTI below max allowed. B C A |
| 409012945 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/21/2025 | Resolved | FCRE0387 | Credit | Borrower 2 Photo Identification not provided | Borrower 2 Photo Identification not provided. The file does not contain any verification of the co-borrower's identity. |  | 04/24/2025 | Photo Identification provided. | 04/24/2025 | is Greater than the Guideline Minimum \| Qualifying DTI below max allowed. B A C |
| 409012945 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/21/2025 | Resolved | FCRE0386 | Credit | Borrower 1 Photo Identification not provided | Borrower 1 Photo Identification not provided. The file does not contain any verification of the borrower's identity. |  | 04/24/2025 | Photo Identification provided. | 04/24/2025 | is Greater than the Guideline Minimum \| Qualifying DTI below max allowed. B A C |
| 409012945 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/21/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The UCDP CU score is XXX, requiring a 3rd Party Valuation Product which has not been provided. |  | 04/24/2025 | Third party valuation product provided within tolerance. | 04/24/2025 | is Greater than the Guideline Minimum \| Qualifying DTI below max allowed. B C A |
| 409012945 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/21/2025 | Resolved | FCRE1322 | Credit | Borrower 1 Business Tax Returns Missing | Borrower 1 Business Tax Returns Missing According to the Lender's income calculation worksheet, the primary borrower has been qualified using income from his XXX business tax returns and K-XXX income. These have not been provided for either company he has listed on his Final 1003 as required by DU. | ; Document Uploaded. Documentation received, XXX to review.; Please provide income documentation for Borrower 1 as required by DU. | 04/24/2025 | XXX-S K1s provided; Borrower 1 Business Tax Returns Provided | 04/24/2025 | is Greater than the Guideline Minimum \| Qualifying DTI below max allowed. B A C |
| 409012949 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/18/2025 | Waived | FCRE1199 | Credit | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Audited Loan Amount of $XXX is greater than the Guideline Maximum Loan Amount of $XXX Loan is DU approve ineligible due to loan amount exceeding $XXX. There is no exception on file. | ; | 04/24/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX) Borrower has Stable Job Time. XXX) Qualifying DTI is below max allowed. XXX) is Greater than the Guideline Minimum. | 04/24/2025 | Qualifying DTI below max allowed. \| Borrower has stable job time \| is Greater than the Guideline Minimum C A |
| 409012949 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/18/2025 | Waived | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% Per Agency guide version XXX effective XX/XX/XXXX maximum HLTV is XXX% | ; | 04/24/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX) Borrower has Stable Job Time. XXX) Qualifying DTI is below max allowed. XXX) is Greater than the Guideline Minimum. | 04/24/2025 | Qualifying DTI below max allowed. \| Borrower has stable job time \| is Greater than the Guideline Minimum C A |
| 409012949 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/18/2025 | Waived | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline CLTV of XXX% Agency guide version XXX effective XX/XX/XXXX maximum CLTV is XXX% | ; | 04/24/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX) Borrower has Stable Job Time. XXX) Qualifying DTI is below max allowed. XXX) is Greater than the Guideline Minimum. | 04/24/2025 | Qualifying DTI below max allowed. \| Borrower has stable job time \| is Greater than the Guideline Minimum C A |
| 409012949 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/18/2025 | Waived | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Note date is XX/XX/XXXX. The loan file is missing verbal verification of employment for XXX within XXX business days of the note date. | ; Lender provided a print out of a business search; Document Uploaded. Documentation received, XXX to review.; Unable to locate VOE in file. ; VOE not located in the loan file. ; ; | 04/24/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX FICO, XXX% DTI, borrower has been on his job XXX+ years.; Counter. Unable to verify the date the business search was completed as there is no date or time stamp on the bottom of the page. | 04/24/2025 | Qualifying DTI below max allowed. \| Borrower has stable job time \| is Greater than the Guideline Minimum A |
| 409012949 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/18/2025 | Resolved | FCRE0386 | Credit | Borrower 1 Photo Identification not provided | Borrower 1 Photo Identification not provided. |  | 04/22/2025 | Photo Identification provided.; B1 ID provided | 04/24/2025 | Qualifying DTI below max allowed. \| Borrower has stable job time \| is Greater than the Guideline Minimum A |
| 409012949 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/18/2025 | Resolved | FCRE0387 | Credit | Borrower 2 Photo Identification not provided | Borrower 2 Photo Identification not provided. | ; Document Uploaded. | 04/22/2025 | Photo Identification provided.; B2 ID provided | 04/24/2025 | Qualifying DTI below max allowed. \| Borrower has stable job time \| is Greater than the Guideline Minimum A |
| 409012950 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2025 | Waived | FCRE4165 | Credit | Employment Gaps in Employment Without Sufficient Explanation | per application the previous employment for the borrower with XXX ended XX/XX/XXXX and the current employment started XX/XX/XXXX. there is XXX months employment gap and no sufficient explanation was provided | ; ; Document Uploaded. Documentation received, XXX to review.; | 04/24/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX) XXX% DTI XXX) XXX% LTV XXX) XXX FICO.; AUS provided in the file States that if a W2 is not available from the prior and if a standard verification of employment (XXX) will be obtained it must include all year to date earnings as well as prior year earnings if a W2 is not being provided. | 04/24/2025 | Original LTV is Below the Guideline Maximum \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. \| is Greater than the Guideline Minimum A |
| 409012950 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2025 | Waived | FCRE1328 | Credit | Borrower 1 W2/XXX Missing | Borrower 1 W2/XXX Missing. Borrower was employed with XXX in XXX and missing XXX W2 from the employer | ; ; Document Uploaded. Documentation received, XXX to review.; | 04/24/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX) XXX% DTI XXX) XXX% LTV XXX) XXX FICO.; AUS provided in the file States that if a W2 is not available from the prior and if a standard verification of employment (XXX) will be obtained it must include all year to date earnings as well as prior year earnings if a W2 is not being provided. | 04/24/2025 | Original LTV is Below the Guideline Maximum \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. \| is Greater than the Guideline Minimum A |
| 409012950 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/18/2025 | Resolved | FCRE0386 | Credit | Borrower 1 Photo Identification not provided | Borrower 1 Photo Identification not provided. | ; Document Uploaded. Documentation received, XXX to review.; | 04/23/2025 | Photo Identification provided. | 04/23/2025 | Original LTV is Below the Guideline Maximum \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. \| is Greater than the Guideline Minimum A |
| 409012950 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/18/2025 | Resolved | FCRE0387 | Credit | Borrower 2 Photo Identification not provided | Borrower 2 Photo Identification not provided. | ; Document Uploaded. Documentation received, XXX to review.; | 04/23/2025 | Photo Identification provided. | 04/23/2025 | Original LTV is Below the Guideline Maximum \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. \| is Greater than the Guideline Minimum A |
| 409012227 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. | ; Documentation received, XXX to review. ; Document Uploaded. ; ; | 04/23/2025 | Evidence of eConsent is provided. | 04/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A |
| 409012997 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409012915 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2025 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of ($XXX) is insufficient, not meeting the required coverage amount of ($XXX). Hazard insurance coverage does not meet minimum requirement of loan amount $XXX and does not have guaranteed replacement cost. A replacement cost estimate was not provided. | ; | 04/21/2025 | The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 04/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 409012591 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409012598 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/23/2025 | Resolved | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% | ; | 04/23/2025 | Audited DTI of XXX% is less than or equal to AUS DTI of XXX% | 04/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 409012249 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409012233 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409012503 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/18/2025 | Resolved | FCOM1227 | Credit | PUD Rider is Missing | PUD Rider is Missing | ; Documentation received, XXX to review.; Document Uploaded. LOI to re-record and corrected mortgage and new pud rider signed; | 05/16/2025 | The PUD Rider is Present or is Not Applicable (Property Type is PUD) | 05/21/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 409012503 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/18/2025 | Resolved | FCRE1185 | Credit | AUS Partially Provided | AUS Partially Provided Loan amount and monthly P & I payment on DU #XXX does not match final XXX. | ; Documentation received, XXX to review.; Document Uploaded. Updated AUS; | 05/16/2025 | AUS is not incomplete | 05/21/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 409012503 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/18/2025 | Resolved | FCRE9549 | Credit | Missing Credit Report Supplement | Missing credit supplement or note showing payment/terms for XXX CU loan for $XXX, per Final 1003. | ; Documentation received, XXX to review.; Document Uploaded. LQI ; | 05/16/2025 | Credit supplement provided for XXX CU loan for $XXX, per Final 1003 | 05/16/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 409012259 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/18/2025 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of ($XXX) is insufficient, not meeting the required coverage amount of ($XXX). The file contains HOI declaration page reflecting coverage limit of $XXX with no evidence of extended coverage or guaranteed replacement. The RCE provided indicates the cost to rebuild as $XXX which exceeds the coverage amount. | ; ; Documentation received, XXX to review.; Document Uploaded. ; | 05/12/2025 | Received clarification that the coverage for subject property is generally rounded off the whole number, cover would include non-rounded replacement. Exception resolved. ; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 05/12/2025 | 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% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 409012259 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The earliest electronic signature in file is dated XX/XX/XXXX, while the earliest evidence of e-consent is dated XX/XX/XXXX (pg. XXX). | ; Documentation received, XXX to review; Document Uploaded. ; | 04/28/2025 | Evidence of eConsent is provided. | 05/12/2025 | 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% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 409012470 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/21/2025 | Resolved | FCRE1184 | Credit | AUS Not Provided | Missing AUS | ; ; Documentation received, XXX to review.; Document Uploaded. ; | 04/29/2025 | Valid AUS received, exception resolved ; AUS is not missing | 04/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 409012470 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/22/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Affiliated business disclosure is missing | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/28/2025 | Required Affiliated Business Disclosure Documentation Provided | 04/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 409012588 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409013153 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409013150 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409013151 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/24/2025 | Waived | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (XXX CFR XXX(a) (XXX)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). Missing proof the borrower received a copy of the appraisal prior to closing. The document in file indicates that the borrower either received or chose to waive the right to receive the appraisal at least XXX days prior to consummation but does not confirm the borrower received the appraisal at or prior to consummation if they chose to waive the XXX days right to receive the appraisal. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely | ; | 04/28/2025 | Client acknowledges EV2/B finding. Exception status changed to Waived per client's email request. | 04/28/2025 | Borrower has stable job time \| Original CLTV is Below the Guideline Maximum \| Original LTV is Below the Guideline Maximum \| is Greater than the Guideline Minimum A |
| 409012232 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409012807 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/28/2025 | Resolved | FCRE1185 | Credit | AUS Partially Provided | AUS Partially Provided Provided AUS dated XX/XX/XXXX is not the final DU AUS. DTI, PITIA and non mortgage monthly expenses do not match the final XXX. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/30/2025 | Received updated DU AUS dated XX/XX/XXXX, exception resolved ; AUS is not incomplete | 04/30/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 409012429 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/25/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). TILA 130b Cure required. Refund in the amount of $XXX, cure requires a valid COC or a cure package with a post closing CD, letter of explanation, proof of refund, and proof of delivery. The file is missing a valid COC to support the following fee addition: - The Appraisal Revise Fee for $XXX was added on the revised LE, dated XX/XX/XXXX The file does not contain a valid COC for the addition of this fee. | ; Documentation received, XXX to review.; Document Uploaded. ; | 05/05/2025 | valid COC provided; Exception resolved; valid COC provided; Exception resolved | 05/05/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 409012476 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/28/2025 | Resolved | FCRE1497 | Credit | ATR: Reasonable Income or Assets Not Considered | ATR: Reasonable Income or Assets Not Considered Borrower utilized a bridge loan on his departure home at XXX for down payment for subject. Per XXX AUS guide dated XXX this is an ineligible funding source. | ; ; ; Reviewing for exception. Pricing hit will apply, ; | 05/08/2025 | ATR: Reasonable Income or Assets Was Considered | 05/08/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 409012476 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/08/2025 | Waived | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX) XXX FICO (min XXX required) XXX) $XXX in reserves, required reserves for subject is XXX months and XXX months for departure or $XXX) Residual income with departure residence included in debt is $XXX a month. | ; | 05/08/2025 | Waived for client request for B grade. See below comments. ; Waived per client request via email. XXX (bridge loan through XXX) used for down payment. Per guidelines, ineligible source of funds. Borrower did qualify with payment on subject and DTI would allow for a bridge payment however one is not required. Departure residence is now listed for sale for $XXXk and if it doesn't seller within XXX months, XXX will purchase for $XXXk which covers the XXX lien and existing first lien. Borrower had sufficient assets to close without XXX as well. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX) XXX FICO (min XXX required) XXX) $XXX in reserves, required reserves for subject is XXX months and XXX months for departure or $XXX) Residual income with departure residence included in debt is $XXX a month. | 05/08/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 409012476 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/28/2025 | Waived | FCRE8201 | Credit | Loan does not conform to program guidelines | Borrower utilized a bridge loan in the amount of $XXX on his departure home at XXX for down payment for subject. Per XXX AUS guide dated XXX this is an ineligible funding source. | ; Reviewing for exception. Pricing hit will apply ; ; | 05/08/2025 | Waived per client request via email. XXX (bridge loan through XXX) used for down payment. Per guidelines, ineligible source of funds. Borrower did qualify with payment on subject and DTI would allow for a bridge payment however one is not required. Departure residence is now listed for sale for $XXXk and if it doesn't seller within XXX months, XXX will purchase for $XXXk which covers the XXX lien and existing first lien. Borrower had sufficient assets to close without XXX as well. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX) XXX FICO (min XXX required) XXX) $XXX in reserves, required reserves for subject is XXX months and XXX months for departure or $XXX) Residual income with departure residence included in debt is $XXX a month. | 05/08/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 409012451 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/29/2025 | Resolved | FCRE0386 | Credit | Borrower 1 Photo Identification not provided | Borrower 1 Photo Identification not provided. | ; ; Documentation received, XXX to review.; Document Uploaded. ; ; | 05/01/2025 | Received patriot act identification. Exception resolved. ; Photo Identification provided. | 05/01/2025 | 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 DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 409012561 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409012990 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409012789 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/02/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Affiliated business disclosure is missing. | ; Documentation received, XXX to review.; Document Uploaded. ; | 05/07/2025 | Required Affiliated Business Disclosure Documentation Provided | 05/08/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A |
| 409013093 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409012465 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409013103 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409013159 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409012290 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/09/2025 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XXX CFR §XXX(f) (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 XXX 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 XXX 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 §XXX(f) (XXX) (i) no later than XXX business days before consummation. Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXX business days prior to consummation on XX/XX/XXXX. The defect can be cured by providing evidence that shows the consumer received the disclosure XXX days prior to consummation. | ; Documentation received, XXX to review.; Document Uploaded. ; Condition Updated XXX; Documentation received, XXX to review.; Document Uploaded. ; | 05/20/2025 | initial CD receipt date provided; exception resolved; initial CD receipt date provided; exception resolved; The portion of the disclosure tracking provided does not show the date of receipt | 05/20/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 409012290 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/09/2025 | Resolved | FCRE7495 | Credit | Verification of Borrower Liabilities Missing or Incomplete | Missing documentation to support the liabilities on XXX w/XXX bal $XXX w./ payment $XXX and Balance $XXX w./ payment $XXX. | ; Documentation received, XXX to review.; Document Uploaded. | 05/15/2025 | Pre-close Informative research credit update received, confirms payments for XXX and XXX exception resolved. | 05/15/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 409013635 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/09/2025 | Waived | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (XXX CFR XXX(a) (XXX)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). Evidence that the appraisal was provided to the borrower at or prior to consummation was not found in file. | ; | 05/12/2025 | Client acknowledges EV2/B finding. Exception status changed to Waived per client's email request. | 05/12/2025 | Qualifying DTI below max allowed. \| is Greater than the Guideline Minimum B A |
| 409013185 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/08/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing The loan file is missing the Affiliated Business Disclosure. Privacy Notice located on page XXX reflects affiliation with XXX an Appraisal management. | ; Documentation received, XXX to review.; Document Uploaded. ; | 05/15/2025 | Required Affiliated Business Disclosure Documentation Provided | 05/15/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 409013185 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/08/2025 | Resolved | FCRE1184 | Credit | AUS Not Provided | Missing AUS There is no AUS in the file. | ; Documentation received, XXX to review.; Document Uploaded. ; | 05/15/2025 | AUS is not missing | 05/15/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 409012762 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/12/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The Blend document indicates the electronic consent is still pending | ; Documentation received, XXX to review.; Document Uploaded. upld proof esign was accepted; ; | 05/15/2025 | Evidence of eConsent is provided. | 05/15/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 409013069 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/12/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing updated property insurance for XXX, provided insurance document in file expired XX/XX/XXXX. | ; Document Uploaded. ; Documentation received, XXX to review.; | 05/16/2025 | Seller provided documentation to clear. | 05/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 409012957 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409013764 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/13/2025 | Cured | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | TILA 130b Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of $XXX is due the service provider from the SSPL was used. The notary fee increased and the Escrow service fee was added This loan failed the charges that in total cannot increase more than XXX% test. (XXX CFR §XXX(e) (XXX) (ii)) The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXX(e) (XXX) (ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e) (XXX) (i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e) (XXX) (vi). | ; ; Documentation received, XXX to review.; Document Uploaded. PCCD and payment history | 05/19/2025 | Cure package provided to the borrower; exception downgraded to a 2/B | 05/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 409013053 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |

---

## Exhibit 99.12

---

| | |
|:---|:---|
| **EXHIBIT 99.12** | **CONSOLIDATED ANALYTICS RATING AGENCY GRADES SUMMARY REPORT** |

---

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 409012282 | XXXXX |  | $XXXXXX A C |
| 409012350 | XXXXX |  | $XXXXXX D B A |
| 409012349 | XXXXX |  | $XXXXXX D B A |
| 409012348 | XXXXX |  | $XXXXXX D B C A |
| 409012351 | XXXXX |  | $XXXXXX D B A |
| 409011502 | XXXXX |  | $XXXXXX A |
| 409012657 | XXXXX |  | $XXXXXX D A B |
| 409012701 | XXXXX |  | $XXXXXX A C B |
| 409012703 | XXXXX |  | $XXXXXX A |
| 409012696 | XXXXX |  | $XXXXXX A B |
| 409012658 | XXXXX |  | $XXXXXX A D B |
| 409012654 | XXXXX |  | $XXXXXX A |
| 409012650 | XXXXX |  | $XXXXXX D A B |
| 409012702 | XXXXX |  | $XXXXXX A C |
| 409012640 | XXXXX |  | $XXXXXX C A B |
| 409012809 | XXXXX |  | $XXXXXX A |
| 409012810 | XXXXX |  | $XXXXXX A B |
| 409012670 | XXXXX |  | $XXXXXX C A B |
| 409012671 | XXXXX |  | $XXXXXX A D B |
| 409012672 | XXXXX |  | $XXXXXX A |
| 409012697 | XXXXX |  | $XXXXXX A |
| 409012027 | XXXXX |  | $XXXXXX D C A B |
| 409009174 | XXXXX |  | $XXXXXX A |
| 409012196 | XXXXX |  | $XXXXXX C A |
| 409012019 | XXXXX |  | $XXXXXX C A |
| 409012879 | XXXXX |  | $XXXXXX A B |
| 409012479 | XXXXX |  | $XXXXXX D C A B |
| 409012881 | XXXXX |  | $XXXXXX D C A |
| 409012882 | XXXXX |  | $XXXXXX A |
| 409012885 | XXXXX |  | $XXXXXX A C |
| 409012883 | XXXXX |  | $XXXXXX A |
| 409012886 | XXXXX |  | $XXXXXX A B |
| 409012884 | XXXXX |  | $XXXXXX A |
| 409012880 | XXXXX |  | $XXXXXX A |
| 409008999 | XXXXX |  | $XXXXXX C A B |
| 409012924 | XXXXX |  | $XXXXXX D B C A |
| 409012925 | XXXXX |  | $XXXXXX D B A |
| 409012919 | XXXXX |  | $XXXXXX C B A |
| 409012922 | XXXXX |  | $XXXXXX D B C A |
| 409012942 | XXXXX |  | $XXXXXX D C A B |
| 409012937 | XXXXX |  | $XXXXXX D B C A |
| 409012930 | XXXXX |  | $XXXXXX D A B |
| 409012926 | XXXXX |  | $XXXXXX D A C |
| 409012931 | XXXXX |  | $XXXXXX D A B |
| 409012934 | XXXXX |  | $XXXXXX D A B |
| 409012940 | XXXXX |  | $XXXXXX D A C B |
| 409012933 | XXXXX |  | $XXXXXX D A C |
| 409012367 | XXXXX |  | $XXXXXX A |
| 409012935 | XXXXX |  | $XXXXXX D A |
| 409012923 | XXXXX |  | $XXXXXX D B A |
| 409012938 | XXXXX |  | $XXXXXX D A C |
| 409012918 | XXXXX |  | $XXXXXX D B C A |
| 409012941 | XXXXX |  | $XXXXXX D A C |
| 409012939 | XXXXX |  | $XXXXXX D A C B |
| 409012943 | XXXXX |  | $XXXXXX D B A |
| 409012928 | XXXXX |  | $XXXXXX D A |
| 409012929 | XXXXX |  | $XXXXXX D A B |
| 409012944 | XXXXX |  | $XXXXXX D A |
| 409012948 | XXXXX |  | $XXXXXX D A C B |
| 409012947 | XXXXX |  | $XXXXXX D A B |
| 409012945 | XXXXX |  | $XXXXXX D A C B |
| 409012949 | XXXXX |  | $XXXXXX D A B |
| 409012950 | XXXXX |  | $XXXXXX D A B |
| 409012227 | XXXXX |  | $XXXXXX A B |
| 409012997 | XXXXX |  | $XXXXXX A |
| 409012915 | XXXXX |  | $XXXXXX C A |
| 409012591 | XXXXX |  | $XXXXXX A |
| 409012598 | XXXXX |  | $XXXXXX C A |
| 409012249 | XXXXX |  | $XXXXXX A |
| 409012233 | XXXXX |  | $XXXXXX A |
| 409012503 | XXXXX |  | $XXXXXX D A |
| 409012259 | XXXXX |  | $XXXXXX C B A |
| 409012470 | XXXXX |  | $XXXXXX D B A |
| 409012588 | XXXXX |  | $XXXXXX A |
| 409013153 | XXXXX |  | $XXXXXX A |
| 409013150 | XXXXX |  | $XXXXXX A |
| 409013151 | XXXXX |  | $XXXXXX A B |
| 409012232 | XXXXX |  | $XXXXXX A |
| 409012807 | XXXXX |  | $XXXXXX D A |
| 409012429 | XXXXX |  | $XXXXXX A C |
| 409012476 | XXXXX |  | $XXXXXX C A B |
| 409012451 | XXXXX |  | $XXXXXX D A |
| 409012561 | XXXXX |  | $XXXXXX A |
| 409012990 | XXXXX |  | $XXXXXX A |
| 409012789 | XXXXX |  | $XXXXXX A B |
| 409013093 | XXXXX |  | $XXXXXX A |
| 409012465 | XXXXX |  | $XXXXXX A |
| 409013103 | XXXXX |  | $XXXXXX A |
| 409013159 | XXXXX |  | $XXXXXX A |
| 409012290 | XXXXX |  | $XXXXXX D C A |
| 409013635 | XXXXX |  | $XXXXXX A B |
| 409013185 | XXXXX |  | $XXXXXX D B A |
| 409012762 | XXXXX |  | $XXXXXX A B |
| 409013069 | XXXXX |  | $XXXXXX D A |
| 409012957 | XXXXX |  | $XXXXXX A |
| 409013764 | XXXXX |  | $XXXXXX A C B |
| 409013053 | XXXXX |  | $XXXXXX A |

---

## Exhibit 99.13

---

| | |
|:---|:---|
| **EXHIBIT 99.13** | **CONSOLIDATED ANALYTICS VALUATIONS REPORT** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Second Desk Review Variance Amount** | **Second Desk Review Variance Percent** | **Second Desk Review Appraisal Date** | **Second Desk Review Appraised Value** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 409012282 | XXXXX |  | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409012350 | XXXXX |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 409012349 | XXXXX |  | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX | .0460 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 409012348 | XXXXX |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 409012351 | XXXXX |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | 1004 URAR |  |  |  |  | XXX | XXX | .0000 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| 409011502 | XXXXX |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409012657 | XXXXX |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| 409012701 | XXXXX |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 409012703 | XXXXX |  | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409012696 | XXXXX |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.9 |  |
| 409012658 | XXXXX |  | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 409012654 | XXXXX |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 409012650 | XXXXX |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.5 |  |
| 409012702 | XXXXX |  | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.2 |  |
| 409012640 | XXXXX |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 409012809 | XXXXX |  | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  | XXX | XXX | .0390 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 409012810 | XXXXX |  | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| 409012670 | XXXXX |  | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 409012671 | XXXXX |  | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.6 |  |
| 409012672 | XXXXX |  | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.5 |  |
| 409012697 | XXXXX |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 409012027 | XXXXX |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 409009174 | XXXXX |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 409012196 | XXXXX |  | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.7 |  |
| 409012019 | XXXXX |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 409012879 | XXXXX |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 409012479 | XXXXX |  | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 409012881 | XXXXX |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| 409012882 | XXXXX |  | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | -.0464 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | -.0464 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 409012885 | XXXXX |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.8 |  |
| 409012883 | XXXXX |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 409012886 | XXXXX |  | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409012884 | XXXXX |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 409012880 | XXXXX |  | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 409008999 | XXXXX |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 2090 Individual Coop Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  | XXX | XXX | .0090 | XX/XX/XXXX | 2090 Individual Coop Report |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409012924 | XXXXX |  | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.7 |  |
| 409012925 | XXXXX |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |  |
| 409012919 | XXXXX |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409012922 | XXXXX |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 |  |
| 409012942 | XXXXX |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 409012937 | XXXXX |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409012930 | XXXXX |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 409012926 | XXXXX |  | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 |  |
| 409012931 | XXXXX |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 409012934 | XXXXX |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409012940 | XXXXX |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| 409012933 | XXXXX |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 409012367 | XXXXX |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| 409012935 | XXXXX |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 409012923 | XXXXX |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 409012938 | XXXXX |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 409012918 | XXXXX |  | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409012941 | XXXXX |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 409012939 | XXXXX |  | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.4 |  |
| 409012943 | XXXXX |  | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409012928 | XXXXX |  | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409012929 | XXXXX |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 409012944 | XXXXX |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 409012948 | XXXXX |  | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | -.0431 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -.0431 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 |  |
| 409012947 | XXXXX |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.4 |  |
| 409012945 | XXXXX |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 |  |
| 409012949 | XXXXX |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 409012950 | XXXXX |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |  |
| 409012227 | XXXXX |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 409012997 | XXXXX |  | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 409012915 | XXXXX |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| 409012591 | XXXXX |  | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.1 |  |
| 409012598 | XXXXX |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.6 |  |
| 409012249 | XXXXX |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 409012233 | XXXXX |  | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.2 |  |
| 409012503 | XXXXX |  | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| 409012259 | XXXXX |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 409012470 | XXXXX |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409012588 | XXXXX |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 409013153 | XXXXX |  | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 409013150 | XXXXX |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409013151 | XXXXX |  | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  | XXX | XXX | .0000 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 409012232 | XXXXX |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 409012807 | XXXXX |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409012429 | XXXXX |  | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409012476 | XXXXX |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409012451 | XXXXX |  | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0379 | 1004 URAR |  |  |  |  | XXX | XXX | .0379 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| 409012561 | XXXXX |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 409012990 | XXXXX |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409012789 | XXXXX |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 409013093 | XXXXX |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 409012465 | XXXXX |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| 409013103 | XXXXX |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409013159 | XXXXX |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409012290 | XXXXX |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| 409013635 | XXXXX |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3 |  |
| 409013185 | XXXXX |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409012762 | XXXXX |  | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0500 | 1004 URAR |  |  |  |  | XXX | XXX | .0500 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| 409013069 | XXXXX |  | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  | XXX | XXX | .0079 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 409012957 | XXXXX |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409013764 | XXXXX |  | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 5 |  |
| 409013053 | XXXXX |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |

---

## Exhibit 99.14

---

| | |
|:---|:---|
| **EXHIBIT 99.14** | **CONSOLIDATED ANALYTICS DATA COMPARE REPORT** |

---

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 409012282 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Per credit report in file dated XXX. Audited FICO matches lender's FICO. |
| 409012350 | XXXXX |  | XXX | Property Address | notePage | XXX | XXX | Audited address matches the Note; Tape Data address is unknown. |
| 409012350 | XXXXX |  | XXX | Originator DTI | rwtGet1Page | XXX | XXX | Per audit of debts/income, which matches the lender's calculation. |
| 409012348 | XXXXX |  | XXX | Borrower 1 Last Name | notePage | XXX | XXX | Per documentation in the file, B1's Last Name is XXXXX. |
| 409012348 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Per final CD, there is no escrow account. |
| 409012351 | XXXXX |  | XXX | Property Address | notePage | XXX | XXX | Audited street address confirmed with Note. |
| 409012351 | XXXXX |  | XXX | Originator DTI | rwtGet1Page | XXX | XXX | Audit DTI of XXX% exceeds Lender calculated DTI of XXX% due additional expense of $XXX per monthnth for HOA for departure home at XXX. Tape data value is unknown. |
| 409011502 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Appraisal in file reflects value of $XXX, the contract purchase price is $XXX. |
| 409011502 | XXXXX |  | XXX | Originator DTI | rwtGet1Page | XXX | XXX | Audit DTI calculation of XXX% matches lender calculation. Tape data value is unknown. |
| 409012657 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Per appraisal report, subject was $XXX. Tape data value is the. |
| 409012657 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Per final XXX and AUS, the CLTV is XXX. Tape data represents the LTV. |
| 409012701 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Confirmed with DOT and Appraisal; the subject is a PUD. |
| 409012703 | XXXXX |  | XXX | Cash Out Amount | rwtGet1Page | XXX | XXX | was confirmed using post close CD. |
| 409012658 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | Per AUS, XXX, and Final CD, the loan purpose is XXX. |
| 409012658 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Per appraisal and mortgage, the subject is a PUD. |
| 409012654 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Audited value is appraised value; tape data is the. |
| 409012654 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Per credit report in file is XXX, which matches the lender's FICO. |
| 409012654 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Per Appraisal and Mortgage, the subject is a PUD. |
| 409012654 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Per Final CD the loan has escrow for taxes & insurance. |
| 409012650 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Per Appraisal vs Sale Price |
| 409012640 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Per appraisal report, subject was $XXX; tape data value is the. |
| 409012640 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Per final XXX and AUS, CLTV was XXX; tape data value is unknown. |
| 409012640 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Per final XXX and AUS, LTV was XXX; tape data value is unknown. |
| 409012640 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Per final CD, an escrow account was established for taxes & insurance. |
| 409012809 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | XXX shows limited cash out and CD shows the borrower received $XXX cash at close. |
| 409012810 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | Verified on XXX, XXX and Final CD. |
| 409012670 | XXXXX |  | XXX | Lock Date | disclosuresPagev2 | XXX | XXX | Per Rate Lock Agreement; tape data is seller's with investor. |
| 409012671 | XXXXX |  | XXX | Lock Date | disclosuresPagev2 | XXX | XXX | Lock-in agreement in the file shows was XX/XX/XXXX; tape data value is seller's with investor. |
| 409012672 | XXXXX |  | XXX | Lock Date | disclosuresPagev2 | XXX | XXX | confirmed with LE; tape data is Seller's with investor. |
| 409012697 | XXXXX |  | XXX | Lock Date | disclosuresPagev2 | XXX | XXX | Audited data is disclosure dated XX/XX/XXXX; tape data value is date loan locked with investor. |
| 409009174 | XXXXX |  | XXX | Property Address | notePage | XXX | XXX | XXX matches address on note. |
| 409009174 | XXXXX |  | XXX | Originator DTI | rwtGet1Page | XXX | XXX | Audit calculated DTI of XXX% matches lender calculation; tape data value is unknown. |
| 409012196 | XXXXX |  | XXX | Borrower 2 First Name | notePage | XXX | XXX | Audited data matches the Note and XXX; borrowers switched from Final 1003. |
| 409012196 | XXXXX |  | XXX | Borrower 2 SSN | the1003Page | XXX | XXX | Audited data matches the Note and XXX; borrowers switched from Final 1003. |
| 409012196 | XXXXX |  | XXX | Borrower 2 Last Name | notePage | XXX | XXX | Audited data matches the Note and XXX; borrowers switched from Final 1003. |
| 409012196 | XXXXX |  | XXX | Borrower 1 First Name | notePage | XXX | XXX | Audited data matches the Note and XXX; borrowers switched from Final 1003. |
| 409012196 | XXXXX |  | XXX | Borrower 1 Last Name | notePage | XXX | XXX | Audited data matches the Note and XXX; borrowers switched from Final 1003. |
| 409012196 | XXXXX |  | XXX | Borrower 1 SSN | the1003Page | XXX | XXX | Audited data matches the Note and XXX; borrowers switched from Final 1003. |
| 409012196 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Per Final CD, the loan has an escrow account. |
| 409012019 | XXXXX |  | XXX | Originator DTI | rwtGet1Page | XXX | XXX | Audited DTI of XXX% matches the lender's DTI; tape data value is unknown. |
| 409012479 | XXXXX |  | XXX | Cash Out Amount | rwtGet1Page | XXX | XXX | Borrower received $XXX in cash at closing per final CD. |
| 409012885 | XXXXX |  | XXX | Borrower 1 Last Name | notePage | XXX | XXX | Name verified with Note data. |
| 409012885 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Final CD reflects only Flood insurance is escrowed. |
| 409008999 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Per credit report, was XXX and matches lender's FICO. |
| 409008999 | XXXXX |  | XXX | Originator DTI | rwtGet1Page | XXX | XXX | Per final XXX, DTI was XXX%, which matches audited figure. |
| 409008999 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Per final CD, no escrow account was established. |
| 409012924 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Per Final CD, both hazard insurance and property taxes are escrowed. |
| 409012925 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Per the Final CD which reflects escrows for HOI and property taxes. |
| 409012919 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Final CD confirms loan has escrow for taxes and insurance. |
| 409012922 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Per final CD, an escrow account was established. |
| 409012942 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | score per the credit report dated XX/XX/XXXX is XXX and matches the lender's FICO. |
| 409012937 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Subject is an XXX condo per appraisal. |
| 409012937 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Loan has escrows for taxes and insurance per final CD. |
| 409012930 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Per Final CD; escrow accounts established for HOI and property taxes. |
| 409012926 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Per credit report and AUS, was XXX. |
| 409012926 | XXXXX |  | XXX | Cash Out Amount | rwtGet1Page | XXX | XXX | Per final CD, cash to borrower was $XXX. |
| 409012931 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Per Final CD confirming escrow account set up for HOI and Property Taxes. |
| 409012934 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | XXX per credit report in file, matches lender's FICO. |
| 409012934 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | CLTV is XXX% due to piggyback 2nd mortgage. |
| 409012940 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Lowest appraised value is $XXX. |
| 409012940 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | score per the credit report dated XX/XX/XXXX is XXX which matches XXX and AUS. |
| 409012940 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Based upon loan amount of $XXX and appraised value of $XXX. |
| 409012940 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Based upon loan amount of $XXX and sales appraised value of $XXX. |
| 409012940 | XXXXX |  | XXX | Originator DTI | rwtGet1Page | XXX | XXX | Audit DTI of XXX% matches lender calculation.Tape data value is unknown. |
| 409012940 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Loan has escrows for taxes and insurance per Final CD. |
| 409012933 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Loan contains escrows per final CD. |
| 409012935 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Subject property is a PUD per appraisal and Rider |
| 409012935 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Loan contains escrows per final CD |
| 409012923 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Per final CD, an escrow account was established. |
| 409012918 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Verified with appraised value $XXX. |
| 409012918 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Verified with appraised value $XXX. |
| 409012918 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Verified with appraised value $XXX. |
| 409012918 | XXXXX |  | XXX | Cash Out Amount | rwtGet1Page | XXX | XXX | Per DU and XXX loan is XXX, borrower was paying final construction bills. |
| 409012939 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | The Final CD reflects taxes and insurance in escrow. |
| 409012928 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | is XXX per AUS and audit data. Tape data value is unknown. |
| 409012928 | XXXXX |  | XXX | Cash Out Amount | rwtGet1Page | XXX | XXX | Verified on final Cd, borrower did not receive any cash at close. |
| 409012928 | XXXXX |  | XXX | Originator DTI | rwtGet1Page | XXX | XXX | Audited income is less than lender's calculation, but it within tolerance. Verified with paystub for B#XX/XX/XXXX tax returns for B#XXX from schedule F. |
| 409012928 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | Per final CD, borrower brought cash to close. |
| 409012929 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Final CD reflects escrows |
| 409012944 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | confirmed with final CD. |
| 409012948 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | of XXX is the lowest mid-score. |
| 409012948 | XXXXX |  | XXX | Originator DTI | rwtGet1Page | XXX | XXX | Audited DTI of XXX% matches the lender's calculation. Tape data DTI is unknown. |
| 409012947 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | is the lowest-mid score. |
| 409012947 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | The mortgage and appraisal confirm the subject is a PUD. |
| 409012947 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Escrows are reflected on Final CD. |
| 409012949 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | The lowest mid-score is XXX. |
| 409012949 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | CLTV is verified on XXX and DU Findings. |
| 409012949 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Escrows are verified on the Final CD. |
| 409012950 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Final CD confirm the loan is escrowed for taxes and insurance. |
| 409012227 | XXXXX |  | XXX | Originator DTI | rwtGet1Page | XXX | XXX | Variance due to Lender including self-reported XXX payments in DTI. |
| 409012591 | XXXXX |  | XXX | Originator DTI | rwtGet1Page | XXX | XXX | Audit DTI matches XXX and AUS. |
| 409012249 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Per credit report and AUS, qualifying credit score was XXX. |
| 409012249 | XXXXX |  | XXX | Originator DTI | rwtGet1Page | XXX | XXX | Audit DTI of XXX% matches lender calculation. Tape data value is unknown. |
| 409012233 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Value from Appraisal and Desktop Analysis. |
| 409012233 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Audit LTV matches XXX & LP, based on appraisal and subject loan amount. |
| 409012233 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | CLTV matches XXX & LP, based on appraisal and subject loan amount. |
| 409012233 | XXXXX |  | XXX | Originator DTI | rwtGet1Page | XXX | XXX | Audit DTI of XXX% matches lender calculation. |
| 409012233 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Final CD reflects escrows established for property taxes and insurance. |
| 409012503 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Per credit report, qualifying credit score was XXX. |
| 409012503 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Per final XXX, LTV was XXX |
| 409012503 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Per final XXX, CLTV was XXX |
| 409012503 | XXXXX |  | XXX | Originator DTI | rwtGet1Page | XXX | XXX | Per final XXX, DTI was XXX. Tape data value is unknown. |
| 409012503 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Per appraisal report, subject property is a PUD. |
| 409012503 | XXXXX |  | XXX | Original Loan Amount | rwtGet1Page | XXX | XXX | Per note, loan amount was $XXX. |
| 409012503 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | Per final XXX, transaction was a cash out refinance. |
| 409012259 | XXXXX |  | XXX | Borrower 1 Last Name | notePage | XXX | XXX | Per the Note, Borrower's Last Name is XXXXX. |
| 409012259 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Per Appraisal, Value is $XXX vs original offer price. |
| 409012259 | XXXXX |  | XXX | Sales Price | propertyValuationPage | XXX | XXX | Original Purchase Contract for $XXX vs Addendum showing price reduction to $XXX. |
| 409012259 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | LTV is based on lower amount of Appraisal vs. |
| 409012259 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | CLTV is based on lower amount of Appraisal vs. |
| 409012259 | XXXXX |  | XXX | Original Loan Amount | rwtGet1Page | XXX | XXX | Per Note, subject loan amount is $XXX. |
| 409012259 | XXXXX |  | XXX | Originator DTI | rwtGet1Page | XXX | XXX | Audit calculated income for B1 from XXX-S is $XXX, lender used $XXX which is not supported by documentation in the file. |
| 409012470 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Per credit report and final XXX, qualifying credit score was XXX. |
| 409012470 | XXXXX |  | XXX | Originator DTI | rwtGet1Page | XXX | XXX | Per final XXX, DTI was XXX. Tape data value is unknown. |
| 409012588 | XXXXX |  | XXX | Originator DTI | rwtGet1Page | XXX | XXX | Audit DTI of XXX% matches lender DTI. Tape data value is unknown. |
| 409012232 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Per appraisal report, subject was $XXX; tape data value is the. |
| 409012232 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Per credit report, qualifying credit score was XXX which matches the final XXX. |
| 409012232 | XXXXX |  | XXX | Originator DTI | rwtGet1Page | XXX | XXX | Audit DTI of XXX% matches the lender calculation.Tape data value is unknown. |
| 409012807 | XXXXX |  | XXX | Originator DTI | rwtGet1Page | XXX | XXX | Audited DTI of XXX% is slightly higher due to liabilities in loan file. |
| 409012429 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Audit CLTV of XXX% matches lender CLTV. |
| 409012429 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Per final CD, an escrow account was established. |
| 409012429 | XXXXX |  | XXX | Cash Out Amount | rwtGet1Page | XXX | XXX | Per final CD, total cash out was $XXX |
| 409012451 | XXXXX |  | XXX | Originator DTI | rwtGet1Page | XXX | XXX | Per final DU, DTI was XXX. |
| 409012561 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Per Appraised Value vs Sale Price. |
| 409012561 | XXXXX |  | XXX | Originator DTI | rwtGet1Page | XXX | XXX | The audit DTI matches the XXX & DU (rounding). Tape data value is unknown. |
| 409012990 | XXXXX |  | XXX | Originator DTI | rwtGet1Page | XXX | XXX | Audit DTI of XXX% matches lender DTI. Tape data value is unknown. |
| 409012789 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Appraisal reflects value of $XXX. Tape data value is not supported in loan file. |
| 409012789 | XXXXX |  | XXX | Originator DTI | rwtGet1Page | XXX | XXX | Audit DTI of XXX% matches lender DTI. |
| 409012465 | XXXXX |  | XXX | Originator DTI | rwtGet1Page | XXX | XXX | The audit DTI matches both the XXX and AUS. |
| 409012465 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | The Appraisal and Mortgage PUD Rider confirm. |
| 409013103 | XXXXX |  | XXX | Originator DTI | rwtGet1Page | XXX | XXX | Per final XXX and DU, DTI was XXX% |
| 409013159 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Loan amount $XXX/ $XXX = XXX% LTV. |
| 409013159 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Loan amount $XXX/ $XXX = XXX% CLTV. |
| 409013159 | XXXXX |  | XXX | Originator DTI | rwtGet1Page | XXX | XXX | Audited DTI of XXX% matches XXX in file. |
| 409013159 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | No Escrow per Final CD in file. |
| 409013185 | XXXXX |  | XXX | Borrower 1 Last Name | notePage | XXX | XXX | Per note, borrower's Last Name is XXXXX |
| 409012762 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Per appraisal report, subject property is a PUD. |
| 409012762 | XXXXX |  | XXX | Cash Out Amount | rwtGet1Page | XXX | XXX | Per final CD, total cash out was $XXX. |
| 409013069 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Lowest Appraisal value used is $XXX. |
| 409013069 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Audit CLTV of XXX%% matches lender calculation. |
| 409013069 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Audit LTV of XXX%% matches lender calculation. |
| 409013069 | XXXXX |  | XXX | Cash Out Amount | rwtGet1Page | XXX | XXX | Cash out of $ XXX includes debts paid off + Cash in hand. |
| 409012957 | XXXXX |  | XXX | Property Zip Code | notePage | XXX | XXX | Per Note, zip code is XXX. |
| 409012957 | XXXXX |  | XXX | Originator DTI | rwtGet1Page | XXX | XXX | The audit DTI is the same as XXX and AUS (DU). |
| 409013053 | XXXXX |  | XXX | Originator DTI | rwtGet1Page | XXX | XXX | Audit DTI of XXX% matches lender calculation. |
| 409013053 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | The Final CD reflects no escrow. |

---