# EDGAR Filing Document

**Accession Number:** 0001599342
**File Stem:** 0001193125-26-176085
**Filing Date:** 2026-4
**Character Count:** 1107259
**Document Hash:** 98576808a5149e04b2e57aa14f42e06e
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-176085.hdr.sgml**: 20260424

**ACCESSION NUMBER**: 0001193125-26-176085

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

**PUBLIC DOCUMENT COUNT**: 18

**CONFORMED PERIOD OF REPORT**: 20260424

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

**FILED AS OF DATE**: 20260424

**DATE AS OF CHANGE**: 20260424

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

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

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

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-01521
- **FILM NUMBER:** 26891590

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

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

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

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

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

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

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

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

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

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

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

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

**UNITED STATES** 

**SECURITIES AND EXCHANGE COMMISSION** 

**Washington, D.C. 20549** 

**FORM ABS-15G** 

**ASSET-BACKED SECURITIZER** 

**REPORT PURSUANT TO SECTION 15G OF** 

**THE SECURITIES EXCHANGE ACT OF 1934** 

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

**Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period<u> </u> to<u> </u>** <br>

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

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

**Central Index Key Number of securitizer:** 

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

**contact in connection with this filing.** 

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

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

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

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

Central Index Key Number of securitizer: 0001599342

## PMT Loan Trust 2026-INV5
**(Exact name of issuing entity as specified in its charter)** 

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

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

**Chris White** 

**(805) 530-5829** 

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

**contact in connection with this filing** 

------

**PART I: REPRESENTATION AND WARRANTY INFORMATION** 

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

N/A

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

N/A

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

N/A

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

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

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

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

N/A

------

**EXHIBIT INDEX** 

---

| | |
|:---|:---|
| 99.1 | [Clayton Services LLC ("Clayton") Due Diligence Narrative Report](d136882dex991.htm) |
| 99.2 | [Clayton Conditions Report](d136882dex992.htm) |
| 99.3 | [Clayton Rating Agency ATR QM Data Fields](d136882dex993.htm) |
| 99.4 | [Clayton Loan Level Tape Compare Upload](d136882dex994.htm) |
| 99.5 | [Clayton Valuations Summary](d136882dex995.htm) |
| 99.6 | [Consolidated Analytics, Inc. ("Consolidated Analytics") Due Diligence Executive Summary](d136882dex996.htm) |
| 99.7 | [Consolidated Analytics Exception Grades Report](d136882dex997.htm) |
| 99.8 | [Consolidated Analytics Data Compare Report](d136882dex998.htm) |
| 99.9 | [Consolidated Analytics Grading Summary Report](d136882dex999.htm) |
| 99.1 | [Consolidated Analytics ATR QM Report](d136882dex9910.htm) |
| 99.11 | [Consolidated Analytics Valuations Summary Report](d136882dex9911.htm) |

---

------

**SIGNATURES** 

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

---

| | |
|:---|:---|
| PennyMac Corp. | PennyMac Corp.<br>(Securitizer) |
| Date | April 24, 2026 |
| /s/ Daniel S. Perotti | /s/ Daniel S. Perotti<br> (Signature) |
| By: | Daniel S. Perotti |
| Title: | Senior Managing Director and Chief Financial Officer |

---

## Exhibit 99.1

**EXHIBIT 99.1** 

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

------

![LOGO](g136882g0423154806641.jpg)

![LOGO](g136882g0423154804131.jpg)

![LOGO](g136882g0423154804645.jpg)

**April 22, 2026**<br>**Due Diligence Narrative Report**<br>

------

![LOGO](g136882g0210012336541.jpg)

**TABLE OF CONTENTS**

---

| | | | |
|:---|:---|:---|:---|
|  **Clayton Contact Information** |  | **2** |  |
|  **Overview** |  | **2** |  |
|  **Originators** |  | **2** |  |
|  **Clayton's Third Party Review ("TPR") Scope of Work** |  | **2** |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Sampling* | | *2* | |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Sponsor Acquisition Criteria* | | *3* | |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Loan Grading* | | *3* | |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *TPR Component Review Scope* | | *3* | |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Credit Review |  | 4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Property Valuation Review |  | 4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Regulatory Compliance Review |  | 4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Data Integrity* | | *6* | |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Data Capture* | | *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** |  |

---

PMT Loan Trust 2026-INV5 Page \| 1 April 22, 2026

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![LOGO](g136882g0210012336541.jpg)

**CLAYTON CONTACT INFORMATION** 

Client Service Management:

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

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

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

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

**OVERVIEW** 

On behalf of PennyMac Corp. ("PennyMac"), Clayton conducted an independent third-party pre-securitization due diligence review of 455 residential loans selected for the PMT Loan Trust 2026-INV5 transaction. The loans referenced in this narrative report were reviewed on a bulk basis between June 2025 and March 2026. This narrative report provides information about the original lenders, the scope of work performed by Clayton, and the results of Clayton's review.

**ORIGINATORS** 

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| **Origination Channel** | **Loan Count** | **Percentage** |
|  Broker | 73 | 16.04% |
|  Correspondent Bulk | 360 | 79.12% |
|  Retail | 22 | 4.84% |
|  **Total** | **455** | **100.00%** |

---

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

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

**SAMPLING** 

Upon receipt of Asset Tape, Diligence provider randomly selected 455 Purchased Mortgage loans listed thereon, excluding Wet Loans. 100% of the loans received a Full Review as described below.

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

PMT Loan Trust 2026-INV5 Page \| 2 April 22, 2026

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![LOGO](g136882g0210012336541.jpg)

Review Type Loan Counts:

---

| | | |
|:---|:---|:---|
| *Review Type* | *Loan Count*<br> *Reviewed by Clayton* | *Scope Applied* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Full Review** | 455 | Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Total Loan Population** | 455 |  |

---

**SPONSOR ACQUISITION CRITERIA** 

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

**LOAN GRADING** 

Each loan received an "initial" and a "final" grade. The "initial" grade was assigned during the initial loan review. The "final" grade takes into account additional information and supporting documentation that may have been provided by the originators to clear outstanding conditions. Clayton is providing a comprehensive loan-level analysis as part of this pre-securitization reporting package that includes initial grades, final grades and detailed commentary on the rationale for any changes in grades, and sets forth waivers. The compliance exception report lists all exceptions within a loan.

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

![LOGO](g136882g0423154805805.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.

PMT Loan Trust 2026-INV5 Page \| 3 April 22, 2026

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![LOGO](g136882g0210012336541.jpg)

CREDIT REVIEW

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

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

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

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

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

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

PROPERTY VALUATION REVIEW

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Original Appraisal Assessment (455 loans)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Value Supported Analysis (455 loans)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Desk Review/BPO

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Second Full Appraisal

For further detail please refer to the PMTLT 2026-INV5 Valuations Summary Report

REGULATORY COMPLIANCE REVIEW

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

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

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

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

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

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

PMT Loan Trust 2026-INV5 Page \| 4 April 22, 2026

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![LOGO](g136882g0210012336541.jpg)

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The ATR/QM Rules allow the lender to exclude up to two discount points from the 3% points and fees evaluation
depending on the loan's undiscounted interest rate in relation to the APOR index rate. The ATR/QM Rule does not set the required rate reduction per discount point.

Clayton evaluated the lender's exclusion of discount points from the 3% points and fees calculation for all loans in this transaction using a [0.2%] rate reduction threshold per discount point.

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Non-Owner Occupied Scope: Most consumer protection laws are designed to
afford protection to borrowers who are entering into a loan that will be secured by their residence. For most high cost and higher-priced laws, as well as rescission, the only loans covered by the law are loans secured by the
borrower's (or in the case of rescission a title holder's) principal residence. Most other consumer protection laws extend to a borrower's secondary

PMT Loan Trust 2026-INV5 Page \| 5 April 22, 2026

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![LOGO](g136882g0210012336541.jpg)

residence, which under TILA and RESPA is a residence that they occupy at least 2 weeks during the year. Further, if the loan is for a business purpose it is often excluded from consumer protection laws regardless of occupancy, including TILA (whereas if it is secured by non-owner occupied but for a personal, family or household purpose it is more likely to be covered).<br>

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

State and Federal High Cost and Higher-Priced:

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

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

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

Anti-predatory lending laws

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

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

Prepayment Penalties and Late Charges in certain states

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

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

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

**DATA INTEGRITY** 

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

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

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

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

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

**DATA CAPTURE** 

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

PMT Loan Trust 2026-INV5 Page \| 6 April 22, 2026

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![LOGO](g136882g0210012336541.jpg)

**DATA COMPARE RESULTS** 

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

Summary of data compare results:

---

| | | |
|:---|:---|:---|
| **Field Name** | **#** | **Accuracy%** |
|  Appraisal Form Type | 113 | 75.16% |
|  AUS Grade Audit | 1 | 99.78% |
|  Borrower 1 Last Name | 1 | 99.78% |
|  Borrower 1 Self Employed Flag | 8 | 98.24% |
|  Borrower 1 Total Income | 27 | 94.07% |
|  Borrower 2 First Name | 1 | 99.78% |
|  Borrower 2 Self Employed Flag | 3 | 99.34% |
|  Cash Reserves | 203 | 55.38% |
|  Combined LTV | 2 | 99.56% |
|  Credit Report Date | 30 | 93.41% |
|  Debt to Income Ratio (Back) | 41 | 90.99% |
|  First Payment Date | 1 | 99.78% |
|  Maturity Date | 2 | 99.56% |
|  Min Number | 1 | 99.78% |
|  Original Appraisal Date | 1 | 99.78% |
|  Original Appraised Value | 1 | 99.78% |
|  Original LTV | 2 | 99.56% |
|  Origination Channel | 92 | 79.78% |
|  Origination Date | 1 | 99.78% |
|  Product Type | 5 | 98.90% |
|  Property Type | 47 | 89.67% |
|  Property Zip | 1 | 99.78% |
|  Representative Credit Score for Grading | 2 | 99.56% |
|  Total Monthly Income | 4 | 99.12% |

---

PMT Loan Trust 2026-INV5 Page \| 7 April 22, 2026

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![LOGO](g136882g0210012336541.jpg)

**CLAYTON DUE DILIGENCE RESULTS** 

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

**Initial and Final Overall Loan Grade Results** 

<u>Loan Pool (455 loans)</u>

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
|  | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** |  | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 186 |  | 11 | 153 | **350** |
| **Final** | **B** |  | 19 | 18 | 51 | **88** |
| **Final** | **C** |  |  | 5 | 8 | **13** |
| **Final** | **D** |  |  |  | 4 | **4** |
| **Final** | **Total** | **186** | **19** | **34** | **216** | **455** |

---

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

**Initial and Final Credit Component Grade Results** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
|  | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** |  | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 359 |  | 20 | 54 | **433** |
| **Final** | **B** |  | 10 | 1 | 1 | **12** |
| **Final** | **C** |  |  | 7 |  | **7** |
| **Final** | **D** |  |  |  | 3 | **3** |
| **Final** | **Total** | **359** | **10** | **28** | **58** | **455** |

---

**Initial and Final Property Valuation Grade Results** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
|  | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** |  | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 251 |  |  | 151 | **402** |
| **Final** | **B** |  | 7 | 14 | 27 | **48** |
| **Final** | **C** |  |  | 2 | 2 | **4** |
| **Final** | **D** |  |  |  | 1 | **1** |
| **Final** | **Total** | **251** | **7** | **16** | **181** | **455** |

---

**Initial and Final Regulatory Compliance Grade Results** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
|  | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** |  | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 396 |  | 9 | 9 | **414** |
| **Final** | **B** |  | 22 | 13 | 3 | **38** |
| **Final** | **C** |  |  | 2 |  | **2** |
| **Final** | **D** |  |  |  | 1 | **1** |
| **Final** | **Total** | **396** | **22** | **24** | **13** | **455** |

---

PMT Loan Trust 2026-INV5 Page \| 8 April 22, 2026

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![LOGO](g136882g0210012336541.jpg)

**CLAYTON THIRD PARTY REPORTS DELIVERED** 

Clayton furnished the following reports on this transaction:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Conditions Report

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

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

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

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

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

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

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

PMT Loan Trust 2026-INV5 Page \| 9 April 22, 2026

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![LOGO](g136882g0210012336541.jpg)

**APPENDIX A: CREDIT REVIEW SCOPE** 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

PMT Loan Trust 2026-INV5 Page \| 10 April 22, 2026

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

PMT Loan Trust 2026-INV5 Page \| 11 April 22, 2026

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![LOGO](g136882g0210012336541.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

PMT Loan Trust 2026-INV5 Page \| 12 April 22, 2026

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![LOGO](g136882g0210012336541.jpg)

**APPENDIX B: ORIGINATION APPRAISAL ASSESSMENT** 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• If the appraisal was completed by a trainee or licensed appraiser unqualified to independently sign the report,
an appropriately licensed appraiser co-signed as a supervisory appraiser and inspected the property

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

PMT Loan Trust 2026-INV5 Page \| 13 April 22, 2026

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

F. Disclaimer

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

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

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

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

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

G. Desk Review definitions

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

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

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**APPENDIX C: REGULATORY COMPLIANCE REVIEW SCOPE** 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

---

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

---

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

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

---

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

---

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

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

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

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

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

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

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

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

---

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

---

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

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

---

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

---

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

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

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

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

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

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

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

<sup>©</sup> 2026 Clayton Services LLC. All rights reserved.

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

PMT Loan Trust 2026-INV5 Page \| 20 April 22, 2026

## Exhibit 99.2

**EXHIBIT 99.2** 

**CLAYTON CONDITIONS REPORT** 

------

---

| | |
|:---|:---|
| **Client Name:** | **PennyMac** |
| **Client Project Name:** | **PNMAC PMTLT 2026-INV5 J16768** |
| **Conditions Report 2.0** |  |
| ***Loans in Report:*** | *455* |
| ***Loans with Conditions:*** | *271* |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;**65 - Total Active Conditions** | |
| **18 - Material Conditions** | **18 - Material Conditions** |
| 10 - Credit Review Scope | 10 - Credit Review Scope |
|  | 1 - Category: Ability to Repay/Qualified Mortgage |
|  | 1 - Category: Application |
|  | 1 - Category: Assets |
|  | 1 - Category: Credit/Mtg History |
|  | 2 - Category: DTI |
|  | 2 - Category: Income/Employment |
|  | 1 - Category: Insurance |
|  | 4 - Category:Title |
| 5 - Property Valuations Review Scope | 5 - Property Valuations Review Scope |
|  | 1 - Category: Appraisal |
|  | 1 - Category: Value |
| 3 - Compliance Review Scope | 3 - Compliance Review Scope |
|  | 2 - Category: Ability to Repay/Qualified Mortgage |
|  | 1 - Category: TILA/RESPA Integrated Disclosure |
| **47 - Non-Material Conditions** | **47 - Non-Material Conditions** |
| 14 - Credit Review Scope | 14 - Credit Review Scope |
|  | 1 - Category:Assets |
|  | 5 - Category: Credit/Mtg History |
|  | 3 - Category: DTI |
|  | 2 - Category: Income/Employment |
|  | 1 - Category: LTV/CLTV |
|  | 2 - Category: Terms/Guidelines |
| 4 - Property Valuations Review Scope | 4 - Property Valuations Review Scope |
|  | 4 - Category: FEMA |
| 29 - Compliance Review Scope | 29 - Compliance Review Scope |
|  | 1 - Category: Compliance Manual |
|  | 1 - Category: Federal Consumer Protection |
|  | 27 - Category: RESPA |
| &nbsp;&nbsp;&nbsp;**374 - Total Satisfied Conditions** |  |
| 102 - Credit Review Scope | 102 - Credit Review Scope |
|  | 5 - Category: Ability to Repay/Qualified Mortgage |
|  | 6 - Category: Application |
|  | 13 - Category: Assets |
|  | 11 - Category: Credit/Mtg History |
|  | 28 - Category: DTI |
|  | 16 - Category: Income/Employment |
|  | 7 - Category: Insurance |
|  | 4 - Category: Legal Documents |
|  | 1 - Category: Re-Verifications |
|  | 4 - Category:Terms/Guidelines |
|  | 7 - Category: Title |
| 232 - Property Valuations Review Scope | 232 - Property Valuations Review Scope |
|  | 227 - Category:Appraisal |
|  | 2 - Category: Property |
|  | 3 - Category: Value |
| 40 - Compliance Review Scope | 40 - Compliance Review Scope |
|  | 13 - Category: Ability to Repay/Qualified Mortgage |
|  | 2 - Category: Compliance Manual |
|  | 1 - Category: Documentation |
|  | 24 - Category: TILA/RESPA Integrated Disclosure |
| &nbsp;&nbsp;&nbsp;**5 - Total Waived Conditions** |  |
| 5 - Property Valuations Review Scope | 5 - Property Valuations Review Scope |
|  | 5 - Category: FEMA |

---

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

------

---

| | |
|:---|:---|
| **Client Name:** | **PennyMac** |
| **Client Project Name:** | **PNMAC PMTLT 2026-INV5 J16768** |
| **Conditions Report 2.0** |  |
| ***Loans in Report:*** | *455* |
| ***Loans with Conditions:*** | *271* |

---

---

| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original**<br> **Principal**<br> **Balance** | **State** | **Initial**<br> **Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition**<br> **Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial**<br> **Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;1090 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C B A | Credit | Terms/<br>Guidelines | Active C B | CRDTER3122 | Loan<br>documents<br>do not meet<br>guideline<br>requirements | No | Provide<br>verification<br>of correct<br>subject<br>address.<br>Note,<br>Mortgage,<br>Title,<br>Appraisal<br>and Flood<br>Cert do not<br>match.<br>Client<br>advised<br>borrower to<br>re-execute<br>note and mtg<br>to correct<br>property<br>address. | 3/11/2026:<br>Received<br>Mortgage<br>sent for re-<br>recordation<br>with<br>subject<br>address:<br>XXXXXX.<br>All other<br>docs need<br>corrected. | 3/11/2026:<br>Exception<br>remains,<br>Level 2. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves 37.38 PITI reserves not required<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Min 620; Fico 768<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 33%, max 50% |
| &nbsp;&nbsp;&nbsp;1090 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C B A | Property<br>Valuations | Appraisal | Active D | PRVAAPPR3116 | Missing<br>updated<br>valuation | Yes | Missing<br>Updated<br>Valuation:<br>LCA score<br>3.7, score is<br>>2.5.<br>Clayton to<br>order desk<br>review. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves 37.38 PITI reserves not required<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Min 620; Fico 768<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 33%, max 50% |
| &nbsp;&nbsp;&nbsp;1121 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | Application | Satisfied D A | CRDAPP130 | Application<br>is<br>incomplete | No | Provide<br>corrected<br>final 1003<br>reflecting<br>borrowers<br>current<br>employment.<br>(XXXXXX<br>per LOE) | 3/27/2026:<br>Received<br>corrected<br>Final 1003. | 3/27/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary residence for 8 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has mortgage payment history 0x30 since 9/2014. |
| &nbsp;&nbsp;&nbsp;1121 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | Income/<br>Employment | Satisfied C A | CRDINC2488 | Verbal<br>verification<br>of<br>employment<br>missing | No | Missing<br>VVOE from<br>new job with<br>XXXXXX. | 1/21/2026:<br>Received<br>VVOE for<br>XXXXXX.<br>DOH<br>XXXXXX | 1/21/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary residence for 8 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has mortgage payment history 0x30 since 9/2014. |
| &nbsp;&nbsp;&nbsp;1121 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation to<br>support the<br>appraised<br>value.<br>XXXXXX<br>UCDP score<br>not eligible. | 1/6/2026:<br>Received<br>CDA<br>supporting<br>value. | 1/6/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary residence for 8 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has mortgage payment history 0x30 since 9/2014. |
| &nbsp;&nbsp;&nbsp;972 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing Assets: $606,844.78; reserves required $121,054.82<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 791 > is above guideline minimum credit score 620. |
| &nbsp;&nbsp;&nbsp;970 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score of<br>3.5; Clayton<br>to order a<br>desk review | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 1.14%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 45 years at primary residence.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 14+ years at present job. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original**<br> **Principal**<br> **Balance** | **State** | **Initial**<br> **Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition**<br> **Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial**<br> **Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;973 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>CU score not<br>established.<br>Clayton to<br>order desk<br>review. | 4/07/2026: CDA<br>provided supports<br>appraised value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines of 620m, currently at 692<br>CFCFS2860: Good credit history<br> - Clayton Comments: Overall good credit history. no lates within the last 12 months<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit usage at 41.4% |
| &nbsp;&nbsp;&nbsp;1122 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification of<br>some or all<br>components of<br>non-subject<br>PITI | No | Missing<br>mortgage<br>statements for<br>properties<br>located at<br>XXXXXX. | 2/24/2026:<br>Received<br>mortgage<br>statements for<br>both REOs. | 2/24/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrower's DTI is 25.69 which is below guideline maximum DTI of 45%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $351,543; Required PITI reserves are $107,681 |
| &nbsp;&nbsp;&nbsp;981 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has been at their current residence for 13 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has been in the same profession for 40 years |
| &nbsp;&nbsp;&nbsp;211 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score is<br>>2.5. Clayton<br>to order Desk<br>review | 4/07/2026: CDA<br>provided supports<br>appraised value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 732 mid score > min required of 620<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 24 years at present job |
| &nbsp;&nbsp;&nbsp;1009 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit utilization is only 6.54%<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Excellent credit history with no major derogs nor mortgage lates since inception and with an excellent credit score of 820<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines with a fico of 820 versus the max of 640 |
| &nbsp;&nbsp;&nbsp;1130 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA — Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage rule;<br>the loan file is<br>missing<br>documents to<br>complete the<br>ATR/QM<br>review and<br>render an<br>accurate ATR/<br>QM status. | No | Clayton ATR/<br>QM status<br>pending for:<br>missing proof<br>no HOA dues<br>for the<br>following<br>properties:<br>XXXXXX<br>and<br>XXXXXX.<br>Missing proof<br>taxes/ins. are<br>included in<br>monthly mtg.<br>payment for<br>XXXXXX.<br>This is<br>required for<br>DTI purposes. | 2/25/2026:<br>Received full<br>PITIA for<br>XXXXXX.<br>Clayton verified<br>$XXXXXX<br>annual HOA on<br>XXXXXX. | 2/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves of $27,707.45 or 5.99 mos. PITIA. Reserves required $4,326.52<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 2.00% revolving credit utilization<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 769 FICO score > min. requirement of 620 |
| &nbsp;&nbsp;&nbsp;1130 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | CMPTRID3676 | TRID — CD:<br>Ten percent<br>tolerance fee<br>or fees<br>increased at or<br>prior to closing<br>without a valid<br>reason or not<br>timely<br>disclosed;<br>refund<br>required within<br>60 days of<br>consummation. | No | $193.20 Ten<br>Percent<br>Tolerance<br>Violation due<br>to increase in<br>Recording<br>fees at or<br>prior to<br>closing<br>without a<br>valid Change<br>in<br>Circumstance.<br>Requires CIC,<br>or corrected<br>PCCD, copy<br>of refund<br>check, LOX<br>and<br>verification of<br>shipping. | 3.5.2026 — LOX<br>and PCCD<br>received however<br>please provide<br>Final ALTA to<br>confrim borrower<br>did in fact pay the<br>lower amount of<br>recording<br>fees.3/9/2026:<br>Docs for Condo<br>HOA received do<br>not address the<br>additional info<br>required.4.10.2026<br>Lender privided<br>principal reduction<br>of 193.20 LOX<br>PCCD | 3.5.2026 -<br>Exception<br>remains3/9/2026:<br>Exception<br>remains.4.10.2026<br>Exception<br>Satisfied (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves of $27,707.45 or 5.99 mos. PITIA. Reserves required $4,326.52<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 2.00% revolving credit utilization<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 769 FICO score > min. requirement of 620 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original**<br> **Principal**<br> **Balance** | **State** | **Initial**<br> **Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition**<br> **Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial**<br> **Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;1130 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification of<br>some or all<br>components of<br>non-subject<br>PITI | No | Missing<br>proof no<br>HOA dues<br>for the<br>following<br>properties:<br>XXXXXX<br>and<br>XXXXXX.<br>Missing<br>proof taxes/<br>ins. are<br>included in<br>monthly<br>mtg.<br>payment for<br>XXXXXX.<br>This is<br>required for<br>DTI<br>purposes. | 2/25/2026:<br>Received<br>full PITIA<br>for<br>XXXXXX.<br>Clayton<br>verified<br>$XXXXXX<br>annual<br>HOA on<br>XXXXXX. | 2/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves of $27,707.45 or 5.99 mos. PITIA. Reserves required $4,326.52<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: 2.00% revolving credit utilization<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 769 FICO score > min. requirement of 620 |
| &nbsp;&nbsp;&nbsp;1130 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score<br>not<br>assessed.<br>Clayton to<br>order desk<br>review. | 2/26/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 2/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves of $27,707.45 or 5.99 mos. PITIA. Reserves required $4,326.52<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: 2.00% revolving credit utilization<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 769 FICO score > min. requirement of 620 |
| &nbsp;&nbsp;&nbsp;781 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Income/<br>Employment | Satisfied D A | CRDINC3204 | Income<br>Documentation<br>Missing | No | Provide<br>Comparable<br>Rent<br>Schedule<br>for Subject.<br>Appraisals<br>in the file<br>are from the<br>purchase<br>and lender<br>used rent to<br>offset DTI. | 4/21/2026:<br>Received<br>Form 1007<br>showing<br>$2,600<br>Market<br>Rent. DTI<br>is 44.12%. | 4/21/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 620. Approved FICO is 750.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV is 85%. Approved LTV is 75%. |
| &nbsp;&nbsp;&nbsp;863 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 20+ years at present job<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 6.42%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 790 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;952 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver (PIW)/<br>AW | No | Loan<br>approved<br>with PIW. | 4/9/2026:<br>Received<br>BPO<br>supporting<br>value. | 4/9/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers credit score of 806 exceeds guideline requirement of 680 minimum<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 25% DTI is below guideline requirement max 43%.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $1,686,252.87 or 684.29 months PITIA. Required reserves per DU approval $9,191.08.Verified cash reserves exceed guidelines Minimum required 6 months, borrower has 457 months (post closing assets $1,678,252/ $3669.95 = 457) |
| &nbsp;&nbsp;&nbsp;952 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation<br>with no<br>UCDP<br>scores to<br>support<br>value. Loan<br>approved<br>with PIW. | 4/9/2026:<br>Received<br>BPO<br>supporting<br>value. | 4/9/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers credit score of 806 exceeds guideline requirement of 680 minimum<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 25% DTI is below guideline requirement max 43%.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $1,686,252.87 or 684.29 months PITIA. Required reserves per DU approval $9,191.08.Verified cash reserves exceed guidelines Minimum required 6 months, borrower has 457 months (post closing assets $1,678,252/ $3669.95 = 457) |
| &nbsp;&nbsp;&nbsp;115 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have99 months mortgage payment history 0x30.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been with the same employer for 6.8 years<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 11.27%. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original**<br> **Principal**<br> **Balance** | **State** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition**<br> **Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial**<br> **Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;200 | XXXXXX | XXXXXX | XXXXXX (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score<br>is >2.5.<br>Clayton to<br>order desk<br>review | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: The Minimum Reserve Requirement is 6 Months / $15,108. The Borrower has documented 93 Months / $234,338.<br> CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Borrower's Bonus Income of $5000 Annually or $416.67 is not being used.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with the same employer for 16.9 Years. |
| &nbsp;&nbsp;&nbsp;971 | XXXXXX | XXXXXX | XXXXXX (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 15 years at current residence.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 22 years 7 months at current job.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 817 is 197 points above the 620 required. |
| &nbsp;&nbsp;&nbsp;77 | XXXXXX | XXXXXX | XXXXXX (No<br>Data) | ATR/<br>QM:<br>Exempt D A C | Credit | Terms/<br>Guidelines | Satisfied C A | CRDTER3122 | Loan<br>documents<br>do not meet<br>guideline<br>requirements | No | B2 credit<br>report<br>indicates<br>Fraud ID<br>victim<br>alert.<br>Provide<br>verification<br>B2<br>authorized<br>this<br>transaction. | 4/8/2026:<br>Received<br>lender cert<br>verifying<br>B1<br>authorized<br>this<br>transaction. | 4/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrowers LTV is 74.33% is less than the max of 85%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Both Borrowers Credit Score are above 700 exceed the min of 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified $1,998,631.90 in post closing reserves.LP requires $22,034.96 reserves. |
| &nbsp;&nbsp;&nbsp;77 | XXXXXX | XXXXXX | XXXXXX (No<br>Data) | ATR/<br>QM:<br>Exempt D A C | Property<br>Valuations | Appraisal | Satisfied C A | PRVAAPPR4789 | Appraisal<br>Deficiency | No | Provide<br>clear copy<br>of the<br>Appraisal<br>and 1004D<br>(ROV).<br>Some<br>pages have<br>illegible<br>verbiage. | 4/8/2026:<br>Received<br>clear<br>copies of<br>both docs. | 4/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrowers LTV is 74.33% is less than the max of 85%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Both Borrowers Credit Score are above 700 exceed the min of 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified $1,998,631.90 in post closing reserves.LP requires $22,034.96 reserves. |
| &nbsp;&nbsp;&nbsp;77 | XXXXXX | XXXXXX | XXXXXX (No<br>Data) | ATR/<br>QM:<br>Exempt D A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No LCA/<br>CU score<br>due to<br>property<br>type.<br>Clayton to<br>order<br>CDA. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrowers LTV is 74.33% is less than the max of 85%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Both Borrowers Credit Score are above 700 exceed the min of 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified $1,998,631.90 in post closing reserves.LP requires $22,034.96 reserves. |
| &nbsp;&nbsp;&nbsp;1067 | XXXXXX | XXXXXX | XXXXXX (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Additional documented income not used in qualifying- no subject rents used.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 77.53% LTV below guideline requirements 90% Max.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 797 Credit score exceeds guidelines 680. |
| &nbsp;&nbsp;&nbsp;956 | XXXXXX | XXXXXX | XXXXXX (No<br>Data) | ATR/<br>QM:<br>Exempt |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 732 credit score exceeds guidelines.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 5.83 years.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post-closing assets/reserves in the amount of $65,598.71 or 34 months of PITIA exceed $11,590.32 in required reserves. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original**<br> **Principal**<br> **Balance** | **State** | **Initial**<br> **Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition**<br> **Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial**<br> **Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;555 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | Legal<br>Documents | Satisfied D A | CRDLGL225 | Missing<br>Rider | No | Missing 1-<br>4 Family<br>Rider. | 4/7/2026:<br>Received<br>1-4<br>Family<br>Rider. | 4/7/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 15 years.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 620. Borrower score is 789<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 10.59% is below guideline maximum 45%.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 10% |
| &nbsp;&nbsp;&nbsp;877 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $696,05.95 or 358.58 months PITI reserves. Required reserves $27,646.30<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 75%. Max LTV 85%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 783. Minimum score required 620 |
| &nbsp;&nbsp;&nbsp;1034 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $108,123.45 or 48.99 months of PITIA, reserves required $25,951.03.<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 18 years 1 month at current residence.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 7 years 6 months at current job. |
| &nbsp;&nbsp;&nbsp;79 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU Score<br>exceeds<br>max<br>allowed,<br>CDA<br>required. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 620. Approved FICO is 794.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV is 85%. Approved LTV is 80%.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are: $135,044.58 — $64,406.78 cash to close = $70,637.80 or 33.60 months of PITIA. Required reserves are $13,895.53 per the AUS. |
| &nbsp;&nbsp;&nbsp;958 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D C A | Credit | Assets | Active C | CRDAST115 | Cash<br>reserves<br>do not<br>meet<br>guidelines | Yes | Loan file is<br>short<br>reserves:<br>Post close<br>assets<br>$9,298.54<br>Reserves<br>required<br>$24,876.91.<br>Assets<br>verified for<br>account<br>with<br>XXXXXX<br>did not<br>deduct<br>$21,000.00<br>withdrawn<br>for EM. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 11 years on the job.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 734, program allows 620. |
| &nbsp;&nbsp;&nbsp;958 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D C A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation,<br>CDA<br>required. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 11 years on the job.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 734, program allows 620. |
| &nbsp;&nbsp;&nbsp;862 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 74.90%is below the guidelines 85%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 746 exceeds guidelines<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 30.94% is below the guidelines 50% |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original**<br> **Principal**<br> **Balance** | **State** | **Initial**<br> **Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition**<br> **Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial**<br> **Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;209 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | Terms/<br>Guidelines | Active B | CRDTER109 | Cash Out<br>Amount<br>Exceeds<br>Guidelines | No | Final CD<br>issued<br>2/10/2026<br>reflects<br>cash out<br>$2,282.74.<br>Loan<br>closed as<br>Rate/Term<br>Refinance.<br>Cash out<br>exceeds<br>guideline<br>maximum<br>of<br>$2,000.00. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: No lates on any mortgages within the last 24 months and since inception<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit line usage ratio is only1.14%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines at 784.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is only at 33.90% with a max of 50% |
| &nbsp;&nbsp;&nbsp;209 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>No CU<br>score<br>established.<br>Clayton to<br>order desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: No lates on any mortgages within the last 24 months and since inception<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit line usage ratio is only1.14%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines at 784.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is only at 33.90% with a max of 50% |
| &nbsp;&nbsp;&nbsp;980 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification<br>of some or<br>all<br>components<br>of non-<br>subject<br>PITI | No | Missing<br>verification<br>of tax<br>expense for<br>primary<br>residence.<br>at<br>XXXXXX. | 4/8/2026:<br>REO is a Co-<br>Op. Maint fee<br>includes<br>taxes.<br>Verified<br>$2,945.39/mo. | 4/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit usage only 9.15%<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: No lates on mortgages within the last 5 years<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 787 exceeds minimum score of 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $207,115.19 or 86.80 months PITI. LP AUS required reserves of $18,159.54. |
| &nbsp;&nbsp;&nbsp;868 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 21 is lower than the max guideline requirement of 45%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 785 exceeds minimum required of required 620<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has been in their current profession for 10 years |
| &nbsp;&nbsp;&nbsp;76 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 52.78 mo's PITIA reserves<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 11 years on job |
| &nbsp;&nbsp;&nbsp;962 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 18 years at current residence.<br> CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has 19 years 7 months at current job.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 800 is 180 points above the 620 required. |
| &nbsp;&nbsp;&nbsp;1072 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum Score is 620. Borrower's Representative Score is 773.<br> CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: The Income Approach is very conservative as Base Income only was used. The Borrower Earns approximately $10,166 in Bonus Income and $6767 in Other Income.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: The Required Reserves are 6 Months PITI. The Borrower has documented 40 Months PITI. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original**<br> **Principal**<br> **Balance** | **State** | **Initial**<br> **Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition**<br> **Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial**<br> **Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;5 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | loan is<br>approved<br>with a PIW,<br>Clayton to<br>order a<br>BPO | 4/7/2026:<br>Received<br>BPO<br>supporting<br>value. | 4/7/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 763 Credit score exceeds guidelines<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence 26 years<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $572,563.25 (156.92 months PITIA reserves) > min required of $28,870.24 |
| &nbsp;&nbsp;&nbsp;1033 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification<br>of some or<br>all<br>components<br>of non-<br>subject<br>PITI | No | Missing<br>verification<br>of some or<br>all<br>components<br>of non-<br>subject<br>PITIA<br>included in<br>DTI for<br>primary at<br>XXXXXX<br>and<br>Investment<br>at<br>XXXXXX. | 4/9/2026:<br>Received<br>all PITI<br>info for<br>both<br>REOs. | 4/9/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower does not have any major mortgage related occurrences during the past two years.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $60,986.69 exceed DU required amount of $41,109.03. |
| &nbsp;&nbsp;&nbsp;220 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV is 85%. Approved LTV is 70%.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 45%. Approved DTI is 37.70%.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 620. Approved FICO is 773. |
| &nbsp;&nbsp;&nbsp;1071 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 620. Approved FICO is 808.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 45%. Approved DTI is 33.54%.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $385,868.52 or 162 months of PITIA. Required PITIA reserves are $14025.54 or 2 months for each financed property. |
| &nbsp;&nbsp;&nbsp;81 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score is<br>>2.5.<br>Clayton to<br>order desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 804 mid score > min required of 620<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 20+ years.<br> CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have48+ months of current mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;380 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 776 mid score > min required of 660.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 29% is below guideline maximum 45%.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $93,367.92 / 37.99 months PITIA > min required of $15,497.14. |
| &nbsp;&nbsp;&nbsp;754 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 713 exceeds guidelines.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves in the amount of $73,696.14 exceed the required reserves amount of $17,089.31<br> CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: No mortgage lates for the past 2 years. No mortgage lates on any mortgage accounts. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original**<br> **Principal**<br> **Balance** | **State** | **Initial**<br> **Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition**<br> **Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial**<br> **Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;377 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | Title | Satisfied D A | CRDTIL865 | Title<br>incomplete | No | The<br>proposed<br>amount of<br>title<br>insurance is<br>$250,000<br>and is less<br>than the<br>loan amount<br>of<br>$XXXXXX. | 4/8/2026:<br>Received<br>Final Title<br>showing<br>loan<br>amount<br>coverage. | 4/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br>- Clayton Comments: Post closing assets $464,237.41 / 237.90 months PITIA > min required of $11,708.49.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 35.58% is below guideline maximum 45%.<br>CFCFS1739: Positive mortgage payment history<br>- Clayton Comments: Borrowers have42 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br>- Clayton Comments: 762 mid score > min required of 620<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 10.37%<br>|
| &nbsp;&nbsp;&nbsp;378 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br>- Clayton Comments: Reserves of $57,131.07 is $30,372.73 greater than the $26,758.34 reserves required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 10 years at current residence.<br>CFCFS1735: Co-Borrower has significant time at current job<br>- Clayton Comments: Co-Borrower has 14 years 2 months at current job.<br>CFCFS1734: Borrower has significant time at current job<br>- Clayton Comments: Borrower has 12 years 7 months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br>- Clayton Comments: Qualifying FICO of 741 is 121 points above the 620 required. |
| &nbsp;&nbsp;&nbsp;692 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br>- Clayton Comments: Credit score 791 exceeds guidelines 680.<br>CFCFS5269: Minimal use of credit<br>- Clayton Comments: Minimal use of credit for both borrowers, 2.191% consumer debt.<br>CFCFS1731: Verified cash reserves exceed guidelines<br>- Clayton Comments: Post closing reserves $84,048.14 or 20.22 months PITIA exceed LP required reserve amount of $24,240.18.<br>|
| &nbsp;&nbsp;&nbsp;303 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 762 mid score > min required of 620.<br>CFCFS1734: Borrower has significant time at current job<br>- Clayton Comments: 23+ years at present job.<br>CFCFS1731: Verified cash reserves exceed guidelines<br>- Clayton Comments: Post closing assets $161,081.27 / 47.45 months PITIA > min required of $30,381.75 |
| &nbsp;&nbsp;&nbsp;1036 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br>- Clayton Comments: Borrower has 6 years at current residence.<br>CFCFS1744: DTI below guideline requirement<br>- Clayton Comments: Qualifying DTI (Back) of 30.91% is 14.09% below the 45% allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br>- Clayton Comments: Reserves of $637,298.11 is $619,153.92 greater than the $18,144.19 reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br>- Clayton Comments: Qualifying FICO of 803 is 183 points above the 620 required. |
| &nbsp;&nbsp;&nbsp;224 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Terms/<br>Guidelines | Satisfied D A | CRDTER2548 | Missing<br>AUS or<br>AUS<br>errors<br>present | No | Final AUS<br>is missing<br>pages DU #<br>17. | 4/7/2026:<br>Received<br>all pages<br>of AUS<br>DU #17. | 4/7/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br>- Clayton Comments: Minimal usage of available revolving credit lines @ 0.77%<br>CFCFS1731: Verified cash reserves exceed guidelines<br>- Clayton Comments: Post closing assets $366,596.38 or 117.39 months of PITI > min required of $34,368.50.<br>CFCFS1741: Credit score exceeds guidelines<br>- Clayton Comments: 794 mid score > min required of 660 |
| &nbsp;&nbsp;&nbsp;224 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation<br>supporting<br>appraised<br>value or CU<br>score <2.5 | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br>- Clayton Comments: Minimal usage of available revolving credit lines @ 0.77%<br>CFCFS1731: Verified cash reserves exceed guidelines<br>- Clayton Comments: Post closing assets $366,596.38 or 117.39 months of PITI > min required of $34,368.50.<br>CFCFS1741: Credit score exceeds guidelines<br>- Clayton Comments: 794 mid score > min required of 660 |

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| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original**<br> **Principal**<br> **Balance** | **State** | **Initial**<br> **Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition**<br> **Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial**<br> **Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;469 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br>- Clayton Comments: Credit Score 802. Minimum required 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br>- Clayton Comments: Post closing assets $58,879.97 pr 28.54 months PITI reserves. Required reserves $12,378.89<br>CFCFS1744: DTI below guideline requirement<br>- Clayton Comments: DTI 36.08%. Max 45% |
| &nbsp;&nbsp;&nbsp;705 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification<br>of some or<br>all<br>components<br>of non-<br>subject<br>PITI | No | Missing<br>property tax<br>certificates or<br>county tax<br>assessor<br>documentation<br>for the<br>following<br>properties to<br>verify the<br>annual<br>property tax<br>amounts:<br>XXXXXX. | 4/9/2026:<br>Received<br>tax info for<br>REO. | 4/9/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br>- Clayton Comments: Post closing assets $106,406.96 / 59.82 months PITIA > min required of $10,870.64.<br>CFCFS1741: Credit score exceeds guidelines<br>- Clayton Comments: 808 mid score > min required of 660.<br>CFCFS1744: DTI below guideline requirement<br>- Clayton Comments: Borrowers DTI 22% is below guideline maximum 45%. |
| &nbsp;&nbsp;&nbsp;556 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br>- Clayton Comments: Credit score 776 exceeds guidelines<br>CFCFS1744: DTI below guideline requirement<br>- Clayton Comments: DIT 26.87% is below maximum 50%<br>CFCFS1737: LTV below guideline requirements<br>- Clayton Comments: LTV 74.77 is below maximum 75% |
| &nbsp;&nbsp;&nbsp;379 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br>- Clayton Comments: Borrower has worked for employer for 11 years.<br>CFCFS1742: Consumer credit history exceeds guidelines<br>- Clayton Comments: Borrower has zero lates and zero derogatory accounts.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 798 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;201 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation due<br>to LCA score<br>is a 5 | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets $544270.62, LP required $178212.34 to be verified, Reserves remaining $356089<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 13.09 DTI. Max 50%<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: 15 yrs at current position<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: 23 yrs at current residence |
| &nbsp;&nbsp;&nbsp;219 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO. | 4/8/2026:<br>Received<br>BPO<br>supporting<br>value. | 4/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 23.20% vs Max Dit is 45%.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: 33+ years in same line of work.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 793 FICO score. Minimum required 620.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $25,252.54/11.13 months. |
| &nbsp;&nbsp;&nbsp;626 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification<br>of some or<br>all<br>components<br>of non-<br>subject<br>PITI | No | Missing proof<br>of no HOA<br>expense for<br>primary<br>residence and<br>two current<br>investment<br>properties<br>disclosed on<br>1003 REO<br>schedule as<br>qualified with. | 4/9/2026:<br>Received<br>verification<br>no HOA<br>on<br>XXXXXX<br>or<br>XXXXXX.<br>HOA<br>received<br>for<br>XXXXXX. | 4/9/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines at 765 with a minimum score of 620<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit usage is only 21.78%<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is currently at 28% with a max 45% |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original**<br> **Principal**<br> **Balance** | **State** | **Initial**<br> **Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition**<br> **Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial**<br> **Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;626 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>CU score<br>not<br>established.<br>Clayton to<br>order desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines at 765 with a minimum score of 620<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit usage is only 21.78%<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is currently at 28% with a max 45% |
| &nbsp;&nbsp;&nbsp;333 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation,<br>CDA<br>required. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 799 |
| &nbsp;&nbsp;&nbsp;465 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 787 mid score > min required of 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $51,730.33 / 21.28 months PITIA > min required of $14,584.99<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 11+ years at present job<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 8.73% |
| &nbsp;&nbsp;&nbsp;708 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is good with no derogatory events.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 745 > is above guideline minimum credit score 620.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV: 75.00% is 10 points below the program guideline maximum 85%. |
| &nbsp;&nbsp;&nbsp;756 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>CDA or<br>CU score<br>at 2.5 or<br>less to<br>support<br>original<br>appraisal<br>value in<br>file. CU<br>score in<br>file is 2.7. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 84 months of 0x30 mortgage history per CBR.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Minimal usage of available revolving credit lines @ .30%.<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has 0x30 for 82 months.<br> CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 361 months of 0x30 consumer credit history per CBR.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 35+ years at present job.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 813 mid score > min required of 620. |
| &nbsp;&nbsp;&nbsp;757 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan File<br>approved<br>with<br>Property<br>Inspection<br>Waiver. | 4/1/2026:<br>Received<br>BPO<br>supporting<br>value/ | 4/1/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 6.5yrs tenure with current self employed business<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV below guideline maximum of 90%<br> CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history with no late pay/derog line items. 792 Median Credit Score, Oldest Trade 6/2013. 45 Months current mortgage history |
| &nbsp;&nbsp;&nbsp;470 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets of $$5,719,507.46 or 1945 PITI> min required reserves of 6 months or $38,225.99.<br> CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 X 52 months > max permitted of 0 X 30 X 24 months.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score of 797 > min required score of 620. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original**<br> **Principal**<br> **Balance** | **State** | **Initial**<br> **Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition**<br> **Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial**<br> **Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;710 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 814 mid score.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 25.40%.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $290,169.28 (172.18 months PITIA reserves) > min required reserves of $10,732.60 |
| &nbsp;&nbsp;&nbsp;693 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification of<br>some or all<br>components of<br>non-subject<br>PITI | No | Missing<br>evidence of<br>taxes/ins/HOA<br>for other<br>properties<br>owned: 1.<br>XXXXXX 2.<br>XXXXXX. | 4/9/2026:<br>Received PITI<br>info for both<br>REOs. | 4/9/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 12 months mortgage history required with no lates, credit reports over 52 months<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $135,809.40 or 33.08 months of PITI Required PITI Reserves are $2306.41 x 8.2 number of months = $18,957.82<br> CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has no history of late payments |
| &nbsp;&nbsp;&nbsp;1103 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA — Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage rule;<br>the loan file is<br>missing<br>documents to<br>complete the<br>ATR/QM<br>review and<br>render an<br>accurate ATR/<br>QM status. | No | 1040 Tax<br>Returns from<br>2024 provided<br>for B1 & B2,<br>however the<br>supporting<br>documents are<br>missing for the<br>following.B1<br>& B3 Self-<br>Employed<br>Income<br>Documentation<br>Not Provided<br>B1 Retirement<br>Income<br>Documentation<br>Not Provided<br>B2 W2 Wage<br>Income<br>Documentation<br>Not Provided | Most income<br>provided. Still<br>missing YTD<br>paystub or WVOE<br>for B2 to verify<br>base and OT<br>income.3/12/2026:<br>Received<br>10/16/2025,<br>12/2024, 12/2023<br>paystubs for B2.<br>Income verified.<br>DTI is 39.71%. | 3/4/2026:<br>Exception<br>remains.3/12/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit 747 Guidelines allow 620<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 24 Years at Current Residence<br> CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower Has Good Mortgage payment history with 0 Late Payments > 60 Months |
| &nbsp;&nbsp;&nbsp;1103 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Assets | Satisfied C A | CRDAST3078 | Insufficient #<br>of months cash<br>reserves for<br>PITI per<br>guideline<br>requirements | No | Missing Asset<br>Documentation<br>to support<br>$244,205.24 as<br>reflected on<br>DU AUS &<br>the<br>1003Reserves<br>Required by<br>DU AUS = $12,700.21 | 3/4/2026:<br>Received bank<br>statements.<br>Reserves verified. | 3/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit 747 Guidelines allow 620<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 24 Years at Current Residence<br> CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower Has Good Mortgage payment history with 0 Late Payments > 60 Months |
| &nbsp;&nbsp;&nbsp;1103 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Assets | Satisfied D A | CRDAST2670 | Asset<br>documentation<br>is insufficient<br>per guideline<br>requirements | No | Missing Asset<br>Documentation<br>to support<br>$244,205.24 as<br>reflected on<br>DU AUS &<br>the 1003 | 3/4/2026:<br>Received bank<br>statements.<br>Reserves verified. | 3/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit 747 Guidelines allow 620<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 24 Years at Current Residence<br> CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower Has Good Mortgage payment history with 0 Late Payments > 60 Months |
| &nbsp;&nbsp;&nbsp;1103 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Income/<br>Employment | Satisfied C A | CRDINC888 | Income<br>Amount is<br>Unsupported<br>by<br>Documentation<br>in File | No | 1040 Tax<br>Returns from<br>2024 provided<br>for B1 & B2,<br>however the<br>supporting<br>documents are<br>missing for the<br>following.B1<br>& B3 Self-<br>Employed<br>Income<br>Documentation<br>Not Provided<br>B1 Retirement<br>Income<br>Documentation<br>Not Provided<br>B2 W2 Wage<br>Income<br>Documentation<br>Not Provided | 3/4/2026:<br>Received income<br>docs. | 3/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit 747 Guidelines allow 620<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 24 Years at Current Residence<br> CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower Has Good Mortgage payment history with 0 Late Payments > 60 Months |
| &nbsp;&nbsp;&nbsp;1103 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Credit | Income/<br>Employment | Satisfied D A | CRDINC3204 | Income<br>Documentation<br>Missing | No | 3/4/2026:<br>Exception<br>added after<br>review of<br>trailing docs:<br>Most income<br>provided. Still<br>missing YTD<br>paystub or<br>WVOE for B2<br>to verify base<br>and OT<br>income. | 3/12/2026:<br>Received<br>10/16/2025,<br>12/2024, 12/2023<br>paystubs for B2.<br>Income verified.<br>DTI is 39.71%. | 3/12/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit 747 Guidelines allow 620<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 24 Years at Current Residence<br> CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower Has Good Mortgage payment history with 0 Late Payments > 60 Months |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original**<br> **Principal**<br> **Balance** | **State** | **Initial**<br> **Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition**<br> **Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial**<br> **Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;1103 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Title | Satisfied D A | CRDTIL796 | Missing Title | No | Missing Title | 2/24/2026:<br>Received<br>Title<br>Commt. | 2/24/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit 747 Guidelines allow 620<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 24 Years at Current Residence<br> CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower Has Good Mortgage payment history with 0 Late Payments > 60 Months |
| &nbsp;&nbsp;&nbsp;18 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 38.96% is below guideline maximum 45%.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $46,353.23 > required $25,190.61<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 798 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;509 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA — Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage rule;<br>the loan file is<br>missing<br>documents to<br>complete the<br>ATR/QM<br>review and<br>render an<br>accurate ATR/<br>QM status. | No | File is missing<br>required asset<br>documentation<br>to complete<br>the ATR/QM<br>review and<br>render an<br>accurate ATR/<br>QM status. | 4/8/2026:<br>Received<br>SS Award<br>Letter and<br>verification<br>of asset<br>Dist with<br>both<br>accounts<br>noted. | 4/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 4.70%<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: 24 years at primary residence<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower score is 777. Minimum score per program is 620. |
| &nbsp;&nbsp;&nbsp;509 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Assets | Satisfied D A | CRDAST2670 | Asset<br>documentation<br>is insufficient<br>per guideline<br>requirements | No | Provide 1<br>month asset<br>documentation<br>for the two<br>XXXXXX<br>XXXXXX<br>and<br>XXXXXX<br>accounts for<br>funds to close<br>and reserves. | 4/8/2026:<br>Received<br>asset docs,<br>printouts<br>Q3<br>9/30/2025<br>and<br>transaction<br>history to<br>12/2025. | 4/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 4.70%<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: 24 years at primary residence<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower score is 777. Minimum score per program is 620. |
| &nbsp;&nbsp;&nbsp;509 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification of<br>some or all<br>components of<br>non-subject<br>PITI | No | Missing the<br>REO<br>documents for<br>the retained<br>properties.<br>Need<br>Mortgage<br>statement,<br>current tax<br>bill, and HOA<br>if applicable<br>for<br>XXXXXX.<br>Need current<br>tax bill and<br>HOI for<br>XXXXXX.<br>Need current<br>tax bill, HOI,<br>and HOA if<br>applicable for<br>XXXXXX. | 4/8/2026:<br>Received<br>docs for<br>REOs. | 4/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 4.70%<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: 24 years at primary residence<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower score is 777. Minimum score per program is 620. |
| &nbsp;&nbsp;&nbsp;509 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Income/<br>Employment | Satisfied C A | CRDINC888 | Income<br>Amount is<br>Unsupported<br>by<br>Documentation<br>in File | No | Provide<br>income<br>documentation<br>for B2 social<br>security<br>income with<br>proof of<br>receipt per<br>AUS.<br>additionally,<br>Provide 1<br>month asset<br>documentation<br>for the<br>XXXXXX<br>and<br>XXXXXX<br>accounts for<br>the<br>distribution<br>income for<br>both<br>borrowers. | 4/8/2026:<br>Received<br>XXXXXX<br>and<br>verification<br>of asset<br>Dist with<br>both<br>accounts<br>noted. | 4/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 4.70%<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: 24 years at primary residence<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower score is 777. Minimum score per program is 620. |
| &nbsp;&nbsp;&nbsp;116 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 65; guidelines allow 80%.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: .791 mid score > min required of 620<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 33.13% is below guideline maximum 45%. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original**<br> **Principal**<br> **Balance** | **State** | **Initial**<br> **Lender<br>ATR/QM<br>Status** | **Loan Level<br>ATR/QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition**<br> **Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial**<br> **Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;1037 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Rent from appraisal for subject not used to qualify. Rent from other rental property is documented with a lease and one month on 2024 tax return wasn't used to offset payment.<br> CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has 5 years 1 month at current job.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 797 credit score exceeds 620 minimum. |
| &nbsp;&nbsp;&nbsp;513 | XXXXXX | XXXXXX | XXXXXX | QM: Safe<br>Harbor<br>(APOR) | QM: Safe<br>Harbor<br>(APOR) D B A | Credit | Income/<br>Employment | Active B | CRDINC3204 | Income<br>Documentation<br>Missing | No | Missing<br>required<br>lender<br>prepared<br>1084<br>Cash<br>Flow<br>Analysis<br>per DU<br>findings<br>reflecting<br>B1<br>income<br>of approx<br>$37,000<br>used to<br>qualify. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 14.47% is below guideline maximum 50%.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 793 mid score > min required of 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower reserves are $747883.50 or 221.77 months PITIA for this transaction. |
| &nbsp;&nbsp;&nbsp;513 | XXXXXX | XXXXXX | XXXXXX | QM: Safe<br>Harbor<br>(APOR) | QM: Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score<br>is >2.5.<br>Clayton<br>to order<br>desk<br>review | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 14.47% is below guideline maximum 50%.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 793 mid score > min required of 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower reserves are $747883.50 or 221.77 months PITIA for this transaction. |
| &nbsp;&nbsp;&nbsp;516 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM:<br>Exempt D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver (PIW)/<br>AW | No | Loan is<br>PIW<br>approved. | 4/8/2026:<br>Received<br>BPO<br>supporting<br>value. | 4/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 760. Minimum score required 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $61,807.77 or 17.38 months PITI reserves. Required reserves $30,170.32<br> CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B2 has been at their current job over 15 years |
| &nbsp;&nbsp;&nbsp;516 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM:<br>Exempt D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 4/8/2026:<br>Received<br>BPO<br>supporting<br>value. | 4/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 760. Minimum score required 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $61,807.77 or 17.38 months PITI reserves. Required reserves $30,170.32<br> CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B2 has been at their current job over 15 years |
| &nbsp;&nbsp;&nbsp;1069 | XXXXXX | XXXXXX | XXXXXX | QM: Safe<br>Harbor<br>(APOR) | QM: Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower does not have any lates on mortgage accounts. Borrower does not have any major mortgage related occurrences during the past two years.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers reserves in the amount of $201,388.00 exceed the required reserves of $13,708.81.<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borroers have been at current residence 15 years 7 months. |
| &nbsp;&nbsp;&nbsp;511 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Rebuttable<br>Presumption<br>(APOR) | QM:<br>Rebuttable<br>Presumption<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA<br>score is<br>No score.<br>Clayton<br>to order<br>desk<br>review. | 4/6/2026:<br>Received<br>CDA<br>supporting<br>value. | 4/6/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 712 mid score > min required of 620<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 1.19%<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: 24 years at primary residence<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $29,799.64 exceed guidelines, LP required no reserves. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original**<br> **Principal**<br> **Balance** | **State** | **Initial**<br> **Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub Category** | **Condition<br>Status** | **Condition**<br> **Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial**<br> **Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **TRID**<br> **Error**<br> **Type** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;1117 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | Insurance | Satisfied C A | CRDINSR5353 | Insurance<br>Expiration date<br>is prior than<br>the transaction<br>date | No | 2/10/2026:<br>Exception<br>added after<br>review of<br>trailing docs:<br>HOI dec page<br>received is for<br>policy period<br>10/31/2024-<br>10/31/2025.<br>Loan closed<br>XXXXXX.<br>Provide<br>renewal<br>policy for<br>10/31/2025-<br>10/31/2026.<br>Additional<br>conditions<br>may apply. | 2/19/2026<br>Received insurance<br>for policy with<br>dates from 10/2025<br>to 10/2026<br>however the policy<br>is not for subject<br>property.3/25/2026:<br>Received HOI for<br>subject. | 2/19/2026<br>Exception<br>remains.3/25/2026:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 27% DTI max dti 45%<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 5 years at current job<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 799 fico score exceeds guidelines 620 |
| &nbsp;&nbsp;&nbsp;1117 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | Insurance | Satisfied D A | CRDINSR848 | Missing<br>Hazard<br>Insurance | No | Missing<br>hazard<br>insurance in<br>file | 2/10/2026:<br>Received HOI. | 2/10/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 27% DTI max dti 45%<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 5 years at current job<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 799 fico score exceeds guidelines 620 |
| &nbsp;&nbsp;&nbsp;1117 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No UCDP.<br>Clayton to<br>order Desk<br>Review. | 2/4/2026: Received<br>CDA supporting<br>value. | 2/4/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 27% DTI max dti 45%<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 5 years at current job<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 799 fico score exceeds guidelines 620 |
| &nbsp;&nbsp;&nbsp;976 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A C | Compliance | Documentation | Satisfied C A | CMPDOC2698 | Missing<br>required<br>mortgage<br>insurance<br>certificate | No | 85% LTV<br>required 12%<br>MI coverage,<br>no Certificate<br>delivered in<br>the file | 4/8/2026: Received<br>MI Cert. | 4/8/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 38.54% is below the 45% program maximum.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 710 exceeds minimum FICO of 620.<br> CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: 0 x 30 mortgage history |
| &nbsp;&nbsp;&nbsp;976 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No UCDP<br>provided.<br>Clayton to<br>order Desk<br>Review. | 4/07/2026: CDA<br>provided supports<br>appraised value. | 4/07/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 38.54% is below the 45% program maximum.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 710 exceeds minimum FICO of 620.<br> CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: 0 x 30 mortgage history |
| &nbsp;&nbsp;&nbsp;640 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification of<br>some or all<br>components of<br>non-subject<br>PITI | No | Missing<br>mortgage<br>statement and<br>property taxes<br>for primary<br>residence<br>XXXXXX. | 4/8/2026: Received<br>credit report and<br>taxes info. | 4/8/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 804 mid score > min required of 620<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: 11 years at primary residence<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 4.56% |
| &nbsp;&nbsp;&nbsp;6 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C B | Compliance | TILA/RESPA<br>Integrated<br>Disclosure | Satisfied C B | CMPTRID3676 | TRID — CD:<br>Ten percent<br>tolerance fee<br>or fees<br>increased at or<br>prior to closing<br>without a valid<br>reason or not<br>timely<br>disclosed;<br>refund<br>required within<br>60 days of<br>consummation. | No | 10% tolerance<br>fail for $6.70<br>due to<br>increased<br>recording fees<br>on final CD<br>XXXXXX &<br>PCCD<br>XXXXXX.<br>No COC<br>provided<br>disclosing<br>increase in<br>fee. Please<br>provide either<br>COC or Letter<br>of<br>explanation,<br>corrected<br>Closing<br>Disclosure,<br>refund, proof<br>of delivery<br>within 60<br>days of<br>consummation<br>to cure. | 4.9.2026 - Cure<br>provided | 4.9.2026 —<br>Exception satisfied | (No Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has significant and stable time at current home address.<br> CFCFS2860: Good credit history<br> - Clayton Comments: The borrower has good credit overall. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original**<br> **Principal**<br> **Balance** | **State** | **Initial**<br> **Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition**<br> **Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial**<br> **Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **TRID**<br> **Error**<br> **Type** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;6 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO. | 4/6/2026:<br>Received<br>BPO not<br>supporting<br>value. | 4/6/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has significant and stable time at current home address.<br> CFCFS2860: Good credit history<br> - Clayton Comments: The borrower has good credit overall. |
| &nbsp;&nbsp;&nbsp;6 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is PIW<br>approved.<br>Clayton to<br>order BPO. | 4/6/2026:<br>Received<br>BPO not<br>supporting<br>value. | 4/6/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has significant and stable time at current home address.<br> CFCFS2860: Good credit history<br> - Clayton Comments: The borrower has good credit overall. |
| &nbsp;&nbsp;&nbsp;6 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A B | Property<br>Valuations | Value | Active C | PRVAVALU5249 | Property<br>Value Not<br>Supported | Yes | 4/6/2026:<br>Exception<br>added after<br>review of<br>trailing<br>docs. BPO<br>received did<br>not support<br>value.<br>Clayton to<br>order next<br>level<br>review. | 4.13.26<br>2055<br>received<br>value not<br>supported,<br>variance -<br>13.19%.<br>Clayton<br>recommend<br>full<br>appraisal. | 4.13.26<br>Exception<br>Remains. | Not<br>Applicable | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has significant and stable time at current home address.<br> CFCFS2860: Good credit history<br> - Clayton Comments: The borrower has good credit overall. |
| &nbsp;&nbsp;&nbsp;963 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | CMPRESPA2698 | RESPA —<br>List of<br>homeowners<br>counseling<br>organizations<br>not in file | No | The list of<br>homeowners<br>counseling<br>org is<br>missing<br>from PDF,<br>please<br>provide | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history shows 0 derogatory events since account opening 10/2022.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves verified at $572,424.60, required reserves per LP findings are $31,600.92.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for 4 years. |
| &nbsp;&nbsp;&nbsp;963 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation,<br>CDA<br>required. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history shows 0 derogatory events since account opening 10/2022.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves verified at $572,424.60, required reserves per LP findings are $31,600.92.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for 4 years. |
| &nbsp;&nbsp;&nbsp;641 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>No LCA<br>score<br>established.<br>Clayton to<br>order desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's reserves exceeds guideline requirements.<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has a positive mortgage payment history. |
| &nbsp;&nbsp;&nbsp;471 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No UCDP<br>provided.<br>Clayton to<br>order Desk<br>Review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $48,892.65 or 38.29 mths of PITIA Required Reserves $22,995.16<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 799 median FICO. min required 620. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original**<br> **Principal**<br> **Balance** | **State** | **Initial**<br> **Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition**<br> **Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial**<br> **Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;471 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | FEMA | Waived B | PRVAFEMA856 | Natural<br>Disaster<br>Area, no<br>subsequent<br>inspection<br>(Public) | No | FEMA<br>Declaration<br>XXXXXX for<br>XXXXXX<br>effective<br>1/27/2026. PDI<br>to be ordered<br>by Clayton. | 3/25/2026:<br>Client<br>acknowledges<br>Level 2<br>exception. | 3/25/2026:<br>Waived<br>non-<br>material. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $48,892.65 or 38.29 mths of PITIA Required Reserves $22,995.16<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 799 median FICO. min required 620. |
| &nbsp;&nbsp;&nbsp;117 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | Credit/<br>Mtg<br>History | Satisfied D A | CRDCRMH149 | Missing<br>support<br>docs for<br>VOM/<br>VOR (e.g.<br>cancelled<br>checks) | No | Missing PITIA<br>supporting<br>documentation:<br>- Subject<br>XXXXXX<br>missing<br>Homeowners<br>Insurance. -<br>Provide current<br>mortgage<br>statement &<br>HOA for the<br>following<br>properties:<br>XXXXXX. | 4/10/2026:<br>Received all<br>required PITI,<br>HOA docs<br>for all REOs. | 4/10/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 748 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;117 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation.<br>LCA score not<br>provided<br>(UCDP report<br>not provided).<br>Clayton to<br>order desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 748 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;860 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>approved.<br>Clayton to<br>order BPO | 4/9/2026:<br>Received<br>BPO<br>supporting<br>value. | 4/9/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 800 FICO score. Minimum required is 620.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 24.32% DTI; Max DTI is 45%.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets post close assets are $412,204.03 or 111.37 months; reserves required are $22,191.64 |
| &nbsp;&nbsp;&nbsp;860 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved PIW.<br>Clayton to<br>order BPO. | 4/9/2026:<br>Received<br>BPO<br>supporting<br>value. | 4/9/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 800 FICO score. Minimum required is 620.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 24.32% DTI; Max DTI is 45%.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets post close assets are $412,204.03 or 111.37 months; reserves required are $22,191.64 |
| &nbsp;&nbsp;&nbsp;642 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>approved.<br>Clayton to<br>order BPO. | 4/7/2026:<br>received BPO<br>supporting<br>value. | 4/7/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Credit report displays a positive mortgage payment history<br> CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has overall good credit history. |
| &nbsp;&nbsp;&nbsp;642 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is PIW<br>approved.<br>Clayton to<br>order BPO. | 4/7/2026:<br>received BPO<br>supporting<br>value. | 4/7/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Credit report displays a positive mortgage payment history<br> CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has overall good credit history. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original**<br> **Principal**<br> **Balance** | **State** | **Initial**<br> **Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition**<br> **Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial**<br> **Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;643 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>No LCA<br>score<br>established.<br>Clayton to<br>order desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is at 34% with a max DTI 45%<br> CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Excellent credit history with no mortgage lates nor major derogs with an excellent fico of 800<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico of 800 exceeds minimum of 620 |
| &nbsp;&nbsp;&nbsp;645 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing a<br>UCDP CU<br>score.<br>Clayton to<br>order a<br>desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has an 82 month satisfactory mortgage payment history.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified Fico score of 785. Minimum required 620.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Maximum DTI is 45%, subject's DTI is 38.12% |
| &nbsp;&nbsp;&nbsp;381 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO. | 4/8/2026:<br>Received<br>Report<br>2055 Ext<br>Only<br>supporting<br>value. | 4/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 803 fico exceeds 620 minimum<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: 6 years in current home.<br> CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 no derogatory marks |
| &nbsp;&nbsp;&nbsp;381 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order BPO. | 4/8/2026:<br>Received<br>Report<br>2055 Ext<br>Only<br>supporting<br>value. | 4/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 803 fico exceeds 620 minimum<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: 6 years in current home.<br> CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 no derogatory marks |
| &nbsp;&nbsp;&nbsp;19 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score<br>not<br>provided.<br>Clayton to<br>order desk<br>review | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 778. Minimum required 620.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been at their current job over 8 years<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $299,778.74 or 86.11 months PITI reserves. Required reserves $20,888.95 |
| &nbsp;&nbsp;&nbsp;646 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO | 4/8/2026:<br>Received<br>BPO<br>supporting<br>value. | 4/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 32.25 PITI reserves post closing<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 20.5 years for primary & 10.5 for co-borrower |
| &nbsp;&nbsp;&nbsp;648 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation.<br>CU score<br>not<br>provided<br>(UCDP<br>report not<br>provided).<br>Clayton to<br>order desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal use of credit with a credit usage ratio of 1.22%.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job 7.5 years.<br> CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower does not have any lates reporting on mortgage within the past two years.<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 7 years 6 months. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original**<br> **Principal**<br> **Balance** | **State** | **Initial**<br> **Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition**<br> **Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial**<br> **Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;649 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO | 4/7/2026:<br>received<br>BPO<br>supporting<br>value. | 4/7/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 29% dti max DTI 45%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 804 fico score exceeds guidelines 620<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: 12 years at current residence |
| &nbsp;&nbsp;&nbsp;649 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order BPO. | 4/7/2026:<br>received<br>BPO<br>supporting<br>value. | 4/7/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 29% dti max DTI 45%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 804 fico score exceeds guidelines 620<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: 12 years at current residence |
| &nbsp;&nbsp;&nbsp;711 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D C A | Credit | DTI | Active C | CRDDTI187 | Debt Ratio<br>> 50% | Yes | Rental<br>income for<br>XXXXXX<br>reflects<br>negative<br>($50.22) vs.<br>$1,489.68<br>from 1040<br>Schedule E.<br>1003<br>reflects<br>rental<br>income of<br>$3,159.42<br>monthly. 6<br>months<br>reported<br>income<br>from<br>Schedule E<br>reflects<br>$12,300 /<br>6= $2,050<br>monthly.<br>Need<br>updated<br>lease<br>agreement<br>reflecting<br>the higher<br>amount. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 753 mid score > min required of 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $27,590.13 reserves after closing. Required reserves $17,794.46 per AUS. |
| &nbsp;&nbsp;&nbsp;711 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D C A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation:<br>missing<br>LCA score.<br>Clayton to<br>order desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 753 mid score > min required of 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $27,590.13 reserves after closing. Required reserves $17,794.46 per AUS. |
| &nbsp;&nbsp;&nbsp;3 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 5 years at current residence<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 148 points above guideline minimum of 620<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 10 years & 8 months at current job |
| &nbsp;&nbsp;&nbsp;890 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA -<br>Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the<br>loan file is<br>missing<br>documents<br>to complete<br>the ATR/<br>QM review<br>and render<br>an accurate<br>ATR/QM<br>status. | No | Missing<br>verification<br>of some or<br>all<br>components<br>of non-<br>subject<br>PITI:<br>Missing<br>HOI for<br>XXXXXX | 4/14/2026:<br>Received<br>HOI for<br>REO. | 4/14/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrowers have zero lates and zero derogatory accounts.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 15.96 is below guideline requirement 45%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 795 mid score > min required of 620<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been at job for 18 years. B2 has been with employer 24 years. |
| &nbsp;&nbsp;&nbsp;890 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification<br>of some or<br>all<br>components<br>of non-<br>subject<br>PITI | No | Missing<br>HOI for<br>XXXXXX | 4/14/2026:<br>Received<br>HOI for<br>REO. | 4/14/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrowers have zero lates and zero derogatory accounts.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 15.96 is below guideline requirement 45%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 795 mid score > min required of 620<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been at job for 18 years. B2 has been with employer 24 years. |

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| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original**<br> **Principal**<br> **Balance** | **State** | **Initial**<br> **Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition**<br> **Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial**<br> **Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;12 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver (PIW)/<br>AW | No | Loan is<br>PIW<br>approved.<br>Clayton to<br>order BPO | 4/7/2026:<br>Received<br>BPO<br>supporting<br>value. | 4/7/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO 806 exceeds guideline minimum 620<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have 84 months positive payment history 0x30<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 29+ years at current primary residence<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 7.71% below guideline maximum 50%<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 25.36% below guideline maximum 75%<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $2,060,090.60 verified reserves exceed guideline requirement for $0 |
| &nbsp;&nbsp;&nbsp;1 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver (PIW)/<br>AW | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order<br>BPO. | 4/7/2026:<br>Received<br>BPO<br>supporting<br>value. | 4/7/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 45%. Approved DTI is 34.44%.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 620. Approved FICO is 800.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV is 85%. Approved LTV is 43.63%. |
| &nbsp;&nbsp;&nbsp;1 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order<br>BPO. | 4/7/2026:<br>Received<br>BPO<br>supporting<br>value. | 4/7/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 45%. Approved DTI is 34.44%.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 620. Approved FICO is 800.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV is 85%. Approved LTV is 43.63%. |
| &nbsp;&nbsp;&nbsp;382 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver (PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO. | 4/7/2026:<br>Received<br>BPO<br>supporting<br>value. | 4/7/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 26% is below guideline maximum 45%.<br> CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have 0x30 for 120+ months.<br> CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have65+ months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;382 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order<br>BPO. | 4/7/2026:<br>Received<br>BPO<br>supporting<br>value. | 4/7/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 26% is below guideline maximum 45%.<br> CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have 0x30 for 120+ months.<br> CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have65+ months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;849 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Credit | Assets | Satisfied C A | CRDAST206 | Asset Amounts<br>Are<br>Unsupported<br>by<br>Documentation<br>in File | No | XXXXXX<br>statement<br>for<br>account<br>ending in<br>XXXXXX<br>dated<br>6.20.25 is<br>missing<br>pages 2 &<br>4 | 4/8/2026:<br>Received<br>all pages<br>of bk<br>stmnt. | 4/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers score is 807, qualifying score is 680<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: Post close reserves are $1,023,919.43, borrower needs $60,035.20 in reserves |
| &nbsp;&nbsp;&nbsp;849 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>desk<br>review | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers score is 807, qualifying score is 680<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: Post close reserves are $1,023,919.43, borrower needs $60,035.20 in reserves |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original**<br> **Principal**<br> **Balance** | **State** | **Initial**<br> **Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition**<br> **Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial**<br> **Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **TRID**<br> **Error**<br> **Type** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;1120 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt C B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | CMPTRID5741 | TRID - CD: In<br>the CD Escrow<br>section, You<br>will have an<br>escrow<br>account is<br>indicated, but<br>any of the<br>Escrowed<br>Property Costs<br>or Escrow<br>Payment = $0<br>or Null | No | Final CD<br>XXXXXX has<br>escrows, but the<br>loan disclosure<br>section is<br>missing any of<br>the Escrowed<br>Property Costs<br>over year 1. | 1.8.26 Lender<br>provided PCCD<br>that adds the<br>escrow | 1.9.2026<br>Exception<br>Satisfied | Numeric | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 16 years current residence time.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: 18 years in same line of work/profession.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: 3.00% revolving credit utilization<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 797 FICO > min. requirement of 620. |
| &nbsp;&nbsp;&nbsp;1115 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | CMPTRID3640 | TRID - CD:<br>Zero tolerance<br>fee or fees<br>increased at or<br>prior to closing<br>without a valid<br>reason or the<br>revised LE/CD<br>was not timely<br>disclosed;<br>insufficient<br>credit or<br>refund<br>provided | No | $185 Zero<br>Percent<br>Tolerance<br>Violation due to<br>increase in<br>Transfer Taxes<br>from $970 to<br>$1155 on Final<br>CD without a<br>valid Change in<br>Circumstance.<br>Requires CIC, or<br>corrected PCCD,<br>copy of refund<br>check, LOX and<br>verification of<br>shipping.Lender<br>credit for $46.06<br>provide however<br>still requires<br>$138.94 refund<br>or CIC. | 3.25.2026 - Cure<br>provided | 3.25.2026 -<br>Exception<br>satisfied | Numeric | Not<br>Applicable | CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: B1: Bonus Income: $16,988.12 YTD + $5,662.70 2024 = $22,650.82/24 months = $943.78. However, this income was not used to qualify for the mortgage. Subject Rental Income per 2024 tax return: $1,704.00; however, this was not used to offset the subject mortgage payment.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been with the employer for 5 years 2 months<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The HCLTV is 70% and guidelines allow the HCLTV to be 75%<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $297,203.58 (102.97 months PITIA reserves) > min required reserves of $35,769.46 |
| &nbsp;&nbsp;&nbsp;1115 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA Score ><br>2.5. Clayton to<br>order a Desk<br>Review. | 2/4/2026:<br>Received CDA<br>supporting<br>value. | 2/4/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: B1: Bonus Income: $16,988.12 YTD + $5,662.70 2024 = $22,650.82/24 months = $943.78. However, this income was not used to qualify for the mortgage. Subject Rental Income per 2024 tax return: $1,704.00; however, this was not used to offset the subject mortgage payment.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been with the employer for 5 years 2 months<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The HCLTV is 70% and guidelines allow the HCLTV to be 75%<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $297,203.58 (102.97 months PITIA reserves) > min required reserves of $35,769.46 |
| &nbsp;&nbsp;&nbsp;1114 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | Income/<br>Employment | Satisfied D A | CRDINC3204 | Income<br>Documentation<br>Missing | No | Missing proof of<br>the rental income<br>for XXXXXX is<br>$5,555 per<br>month | 3/25/2026:<br>Received<br>verification<br>REO had not<br>closed prior to<br>this loan<br>transaction.<br>Removed from<br>DTI. | 3/25/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $3,055,250.99- Open AMEX $9,319= $3,045,931.99 or 666.84 months PITI reserves. Required reserves $42,556.42<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 726. Minimum score required 620 |
| &nbsp;&nbsp;&nbsp;1131 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Affiliate<br>Business<br>Disclosure<br>missing | (No Data) | (No Data) | (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, over 10 years<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 767 credit score; 620 minimum required FICO<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $145,822.56 or 17.74 months PITI Required Reserves are $117,792.82 |
| &nbsp;&nbsp;&nbsp;1131 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | CMPTRID3676 | TRID - CD:<br>Ten percent<br>tolerance fee<br>or fees<br>increased at or<br>prior to closing<br>without a valid<br>reason or not<br>timely<br>disclosed;<br>refund<br>required within<br>60 days of<br>consummation. | No | Need evidence<br>of change of<br>circumstances<br>letter for Ten<br>Percent<br>tolerance,<br>(Lenders<br>Insurance)<br>increase, or a<br>copy of a refund<br>check in the<br>amount of<br>$474.32. | 4.10.2026<br>Lenderr<br>provided LOX<br>PCCD and email<br>from borrower<br>stating they<br>received their<br>refund of 474.32 | 4.10.2026<br>Exception<br>Satisfied | (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, over 10 years<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 767 credit score; 620 minimum required FICO<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $145,822.56 or 17.74 months PITI Required Reserves are $117,792.82 |
| &nbsp;&nbsp;&nbsp;1136 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt C A | Credit | Assets | Satisfied C A | CRDAST206 | Asset Amounts<br>Are<br>Unsupported<br>by<br>Documentation<br>in File | No | Provide Terms<br>and Conditions<br>of withdrawal<br>for 401-K plan<br>documenting<br>borrower is<br>permitted to<br>make<br>withdrawals and<br>that severance<br>from current<br>employment is<br>not required, as<br>per XXXXXX<br>guidelines. What<br>was provided<br>describes<br>hardship<br>withdrawals<br>options, however<br>purchasing an<br>investment<br>property does<br>not qualify for<br>hardship<br>withdrawal.Note:<br>backed out $10K<br>large<br>undocumented<br>deposit made<br>XXXXXX into<br>borrower's<br>XXXXXX<br>account.<br>Excluded two<br>pending deposits<br>on XXXXXX in<br>total amount of<br>$XXXXXX<br>from XXXXXX<br>account as<br>deposits have not<br>yet posted.<br>Reduced 401K<br>funds by<br>outstanding loan<br>balance. | 12/22/2025:<br>Received Terms/<br>Cond for<br>401K.4/13/2026:<br>Received<br>additional assets<br>to meet reserves<br>required per LP. | 12/22/2025:<br>Exception<br>satisfied.4/8/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 742 mid score > min required of 620<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 28.23 % is below Guidelines 45% maximum.<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30,0x60,0x90 with 58 months reviewed. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original**<br> **Principal**<br> **Balance** | **State** | **Initial**<br> **Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition**<br> **Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial**<br> **Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;1136 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt C A | Credit | Assets | Satisfied C A | CRDAST3078 | Insufficient #<br>of months<br>cash reserves<br>for PITI per<br>guideline<br>requirements | No | 12/22/2025:<br>Exception<br>added after<br>review of<br>trailing docs:<br>Required<br>reserves are<br>$18,842.06<br>per AUS.<br>Verified<br>4,970.39.<br>Reserves are<br>short<br>$23,871.67.<br>401K cannot<br>have any<br>withdrawals<br>until borrower<br>is 59.5 yrs<br>old. Currently<br>XXXXXX<br>and hardship<br>withdrawals<br>does not<br>include<br>purchase of<br>an<br>investment. | 12/22/2025:<br>Received Terms/<br>Cond for<br>401K.4/13/2026:<br>Received<br>additional assets<br>to meet reserves<br>required per LP. | 12/22/2025:<br>Exception<br>satisfied.4/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 742 mid score > min required of 620<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 28.23 % is below Guidelines 45% maximum.<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30,0x60,0x90 with 58 months reviewed. |
| &nbsp;&nbsp;&nbsp;1097 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: $1,725 monthly rental income from subject and $3,000 monthly rental income from investment property not included in qualifying income.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 620. Approved FICO is 772. |
| &nbsp;&nbsp;&nbsp;408 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been a dentist for many years.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self employed running 2 business for greater than 5 years per letter from CPA.<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been a homeowner for 11 years at primary residence. |
| &nbsp;&nbsp;&nbsp;1119 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Affiliate<br>Business<br>Disclosure<br>missing | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 60.06% LTV; guidelines allow up to 80%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 802 which exceeds the guideline minimum requirement of 620 |
| &nbsp;&nbsp;&nbsp;1119 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CRDATRQM3124 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; Lender<br>did not<br>provide an<br>ATR/QM<br>status<br>determination. | No | Provide<br>Lender QM<br>determination. | 3/25/2026:<br>Received Safe<br>Harbor<br>determination. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 60.06% LTV; guidelines allow up to 80%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 802 which exceeds the guideline minimum requirement of 620 |
| &nbsp;&nbsp;&nbsp;1119 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | Legal<br>Documents | Satisfied D A | CRDLGL225 | Missing Rider | No | Missing 1-4<br>Family Rider | 2/10/2026:<br>Received 1-4<br>Family Rider. | 2/10/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 60.06% LTV; guidelines allow up to 80%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 802 which exceeds the guideline minimum requirement of 620 |
| &nbsp;&nbsp;&nbsp;1092 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $552339.33/194.87 PITIA which is > required $59028.43 guideline minimum.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 789 is 169 points above minimum program requirement of 620.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 33.89% DTI < maximum permitted of 45% |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original**<br> **Principal**<br> **Balance** | **State** | **Initial**<br> **Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition**<br> **Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial**<br> **Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;1132 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the loan<br>file is missing<br>documents to<br>complete the<br>ATR/QM<br>review and<br>render an<br>accurate ATR/<br>QM status. | No | Per VVOE<br>dated<br>XXXXXX,<br>B2 is on<br>Leave, and is<br>verified by<br>B2 email, to<br>return<br>XXXXXX.<br>Provide a<br>current<br>paystub<br>showing<br>returned to<br>full time<br>employment<br>with income<br>noted on<br>XXXXXX<br>Report,<br>Shows last<br>paid<br>XXXXXX.<br>Loan closed<br>XXXXXX.<br>Need to<br>verify<br>employment<br>is currently<br>active prior<br>to first<br>payment<br>date.<br>Additional<br>conditions<br>may apply. | 3/4/2026:<br>Received<br>XXXXXX<br>5303.3 guides<br>for this issue.<br>Update to<br>exception:<br>Provide<br>verification<br>from employer<br>of return date<br>for borrower.<br>Email from B2<br>is only one of<br>the required<br>docs.3/12/2026:<br>Received<br>employer<br>verification,<br>expected return<br>to work date of<br>XXXXXX. | 3/4/2026:<br>Exception<br>remains.3/12/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 zero derogatory marks<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 783 fico exceeds minimum 620 fico |
| &nbsp;&nbsp;&nbsp;1132 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification of<br>some or all<br>components<br>of non-subject<br>PITI | No | Missing the<br>mortgage<br>statement<br>and any<br>HOA dues<br>for<br>XXXXXX<br>tied to<br>XXXXXX<br>$XXXXXX/<br>$XXXXXX. | 2/25/2026:<br>Received<br>verification no<br>HOA. Still<br>need PITI<br>info.4/10/2026:<br>Received<br>XXXXXX<br>showing PITI. | 2/25/2026:<br>Exception<br>remains.4/10/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 zero derogatory marks<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 783 fico exceeds minimum 620 fico |
| &nbsp;&nbsp;&nbsp;1132 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Income/<br>Employment | Satisfied B A | CRDINC2496 | Verbal<br>verification of<br>employment<br>completed<br>outside the<br>stated<br>requirements<br>and/or after<br>closing/<br>funding | No | Per VVOE<br>dated<br>XXXXXX,<br>B2 is on<br>Leave, and is<br>verified by<br>B2 email, to<br>return<br>XXXXXX.<br>Provide a<br>current<br>paystub<br>showing<br>returned to<br>full time<br>employment<br>with income<br>noted on<br>XXXXXX<br>Report,<br>Shows last<br>paid<br>XXXXXX.<br>Loan closed<br>XXXXXX.<br>Need to<br>verify<br>employment<br>is currently<br>active prior<br>to first<br>payment<br>date.<br>Additional<br>conditions<br>may apply. | 3/4/2026:<br>Received<br>XXXXXX<br>5303.3 guides<br>for this issue.<br>Update to<br>exception:<br>Provide<br>verification<br>from employer<br>of return date<br>for borrower.<br>Email from B2<br>is only one of<br>the required<br>docs.3/12/2026:<br>Received<br>employer<br>verification,<br>expected return<br>to work date of<br>XXXXXX. | 3/4/2026:<br>Exception<br>remains.3/12/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 zero derogatory marks<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 783 fico exceeds minimum 620 fico |
| &nbsp;&nbsp;&nbsp;1132 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Income/<br>Employment | Satisfied C A | CRDINC150 | Income docs<br>do not meet<br>guidelines | No | Per VVOE<br>dated<br>XXXXXX,<br>B2 is on<br>Leave, and is<br>verified by<br>B2 email, to<br>return<br>XXXXXX.<br>Provide a<br>current<br>paystub<br>showing<br>returned to<br>full time<br>employment<br>with income<br>noted on<br>XXXXXX<br>Report,<br>Shows last<br>paid<br>XXXXXX.<br>Loan closed<br>XXXXXX.<br>Need to<br>verify<br>employment<br>is currently<br>active prior<br>to first<br>payment<br>date.<br>Additional<br>conditions<br>may apply. | 3/4/2026:<br>Received<br>XXXXXX<br>5303.3 guides<br>for this issue.<br>Update to<br>exception:<br>Provide<br>verification<br>from employer<br>of return date<br>for borrower.<br>Email from B2<br>is only one of<br>the required<br>docs.3/12/2026:<br>Received<br>employer<br>verification,<br>expected return<br>to work date of<br>XXXXXX. | 3/4/2026:<br>Exception<br>remains.3/12/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 zero derogatory marks<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 783 fico exceeds minimum 620 fico |
| &nbsp;&nbsp;&nbsp;937 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score ><br>2.5. Clayton<br>to order desk<br>review. | 4/07/2026:<br>CDA provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 791 mid score > min required of 620.<br> CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 99 months.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $499,655.02 or 68.74 months of P&I. Guidelines require 10 months reserves.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 23.61%<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have44 months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;1133 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to<br>closing<br>without a<br>valid reason<br>or not timely<br>disclosed;<br>refund<br>required<br>within 60<br>days of<br>consummation | No | Zero<br>Tolerance<br>Fee of<br>$845.00 due<br>to increase in<br>Discount<br>Points from<br>$1,300 on LE<br>XXXXXX to<br>$2,145.00 on<br>CD<br>XXXXXX.<br>Missing a<br>valid Change<br>of<br>Circumstance<br>for each<br>increase, or<br>Post Close<br>CD, LOX<br>and copy of<br>refund check<br>to borrower. | 4.10.26 Lender<br>provided COC<br>for increase to<br>points. | 4.10.2026<br>Exception<br>Satisfied (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $73,618.23 or 28.18 months PITI Required Reserves are $12,144.93<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at primary residence, 17.58 years<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has 35 years in the same profession |
| &nbsp;&nbsp;&nbsp;1133 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score 3.7<br>is >2.5.<br>Clayton to<br>order desk<br>review | 2/26/2026:<br>CDA provided<br>supports<br>appraised<br>value. | 2/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $73,618.23 or 28.18 months PITI Required Reserves are $12,144.93<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at primary residence, 17.58 years<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has 35 years in the same profession |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original**<br> **Principal**<br> **Balance** | **State** | **Initial**<br> **Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition**<br> **Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial**<br> **Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;927 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA returned no<br>score. Clayton to<br>order Desk Review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 800 exceeds min score requirement of 620.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with employer in the past: 8 years.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this line of work in the past: 13 years.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $145,784.24 or 27.69 months of PITIA. |
| &nbsp;&nbsp;&nbsp;1116 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to<br>closing<br>without a<br>valid reason or<br>not timely<br>disclosed;<br>refund<br>required<br>within 60 days<br>of<br>consummation | No | Zero Tolerance Fee<br>of $2.02 due to<br>Lender Credit<br>decrease on CD<br>XXXXXX. Provide a<br>valid Change of<br>Circumstance, or Post<br>Close CD, LOX and<br>copy of refund check<br>to borrower with<br>proof of delivery via<br>tracking method<br>within 60 days of<br>consummation. | 3.25.2026 -<br>Cure<br>provided | 3.25.2026<br>-<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV is below the 90% max.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $628,939.05 months of reserves are above the required amount of $0.00.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 782 FICO score is above the 620 min.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 33.01% DTI is below the 45% max. |
| &nbsp;&nbsp;&nbsp;1116 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA (or CU) score is<br>>2.5. Clayton to<br>order desk review. | 2/4/2026:<br>Received<br>CDA<br>supporting<br>value. | 2/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV is below the 90% max.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $628,939.05 months of reserves are above the required amount of $0.00.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 782 FICO score is above the 620 min.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 33.01% DTI is below the 45% max. |
| &nbsp;&nbsp;&nbsp;1065 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Credit | Assets | Satisfied C A | CRDAST3078 | Insufficient #<br>of months<br>cash reserves<br>for PITI per<br>guideline<br>requirements | No | Short $4,520.81<br>reservesBorrower's<br>Post Close Assets<br>are\*\* $45,164.61\*\*<br>($49,685.42 -<br>$45,164.61 =<br>$4,520.81)$31,491.56<br>/ $45,164.61 = 6.97<br>months of PITIA<br>reservesAdditional<br>assets statements<br>required to meet<br>reserve requirement | 4/14/2026:<br>Received<br>assets docs,<br>with verified<br>source of<br>funds of<br>deposits and<br>transfers:<br>Verified<br>$85,074.94<br>in post<br>closing<br>reserves or<br>41.78<br>months<br>PITI. LP<br>requires<br>$49,685.42<br>reserves. | 4/14/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 37.32%<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 41.207% is below guideline maximum 50%.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 715 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;1065 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing updated<br>valuation, CDA<br>required. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 37.32%<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 41.207% is below guideline maximum 50%.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 715 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;1104 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | Assets | Satisfied D A | CRDAST2670 | Asset<br>documentation<br>is insufficient<br>per guideline<br>requirements | No | Missing proof receipt<br>into checking of<br>secured borrowed<br>funds in the amt. of<br>$236,000 | 2/25/2026:<br>Received<br>Final ALTA<br>showing<br>funds<br>disbursed<br>12/19/2025<br>of<br>$248,220.13,<br>paid off<br>$357,939.49<br>XXXXXX<br>lien and is<br>secured to<br>XXXXXX.<br>Subject loan<br>closed/<br>disbursed<br>XXXXXX. | 2/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 27 years current residence time<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 701 FICO score > min. requirement of 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves of $81,355.28 or 17.43 mos. PITIA. Reserves required $40,245.50 |
| &nbsp;&nbsp;&nbsp;1104 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | Credit/<br>Mtg<br>History | Satisfied D A | CRDCRMH149 | Missing<br>support docs<br>for VOM/<br>VOR (e.g.<br>cancelled<br>checks) | No | Missing VOM for<br>XXXXXX not<br>reported on credit<br>report. Bal.<br>$XXXXXX.<br>$5,274.15/mo.<br>Secured by:<br>XXXXXX | 2/25/2026:<br>Received<br>Final ALTA.<br>This is a<br>new loan<br>that closed<br>XXXXXX. | 2/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 27 years current residence time<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 701 FICO score > min. requirement of 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves of $81,355.28 or 17.43 mos. PITIA. Reserves required $40,245.50 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original**<br> **Principal**<br> **Balance** | **State** | **Initial**<br> **Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition**<br> **Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial**<br> **Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **TRID**<br> **Error**<br> **Type** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;855 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | Terms/<br>Guidelines | Satisfied D A | CRDTER2548 | Missing AUS<br>or AUS errors<br>present | No | Updated LP<br>AUS required to<br>correct property<br>type from Site<br>Built Detached<br>PUD to Site<br>Built Attached<br>PUD. LP AUS<br>recommendation<br>to remain<br>Streamline<br>Accept. | 4/8/2026:<br>Received<br>updated<br>AUS. | 4/8/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history. Borrower has no late pays or derogatory items reporting on credit.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal revolving credit usage. Credit line usage is 6%.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $41,169.68 exceed required reserves $20,513.26.<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reports 19 mos. 0x30.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has 17 years in same line of work. B2 has 18 years 2 months in same line of work. |
| &nbsp;&nbsp;&nbsp;1058 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Income Calculation Approach is conservative. The Borrower Earns on average an additional $1922.61 that was not used.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum Score is 620. The Borrowers Representative Score is 777.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves are not required. Borrowers have documented 224 Months PITI Reserves. |
| &nbsp;&nbsp;&nbsp;1134 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to<br>closing<br>without a<br>valid reason<br>or not timely<br>disclosed;<br>refund<br>required<br>within 60<br>days of<br>consummation | No | Zero Tolerance<br>Fee of $226.80<br>due to an<br>increased from<br>LE to CD. in the% Discount<br>Points. Missing<br>a valid Change<br>of<br>Circumstance,<br>or Post Close<br>CD, LOX and<br>copy of refund<br>check to<br>borrower. | 4.10.2026<br>Lender<br>provided<br>detailed<br>COC | 4.10.2026<br>Exception<br>Satisfied | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with employer in the past: 16 years.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this line of work in the past: 27 years.<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for the past: 16 years. |
| &nbsp;&nbsp;&nbsp;189 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CA CU score<br>not established.<br>Clayton to order<br>desk review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score of 791 > min required score of 620.<br> CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer debt 0 x 30 X 442 months > max permitted of 0 X 30 X 12 months. |
| &nbsp;&nbsp;&nbsp;398 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | Application | Satisfied D A | CRDAPP4625 | The orig file<br>does not<br>contain a third<br>party fraud<br>report | No | Clear OFAC<br>could not be<br>determined due<br>to missing<br>applicable<br>documentation. | 4/8/2026:<br>Received<br>clear<br>OFAC. | 4/8/2026:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Minimum Credit Score is 620. The Borrower's Representative Score is 804.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Required Reserves Amount is 20 Months PITIA or $46,480. The Borrower has documented 33 Months or $75,940. |
| &nbsp;&nbsp;&nbsp;398 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | Title | Satisfied C A | CRDTIL875 | Title Does<br>Not Agree<br>With<br>Mortgage | No | The Title<br>Commitment<br>reflects a Loan<br>Amount of<br>$XXXXXX. | 4/8/2026:<br>Received<br>Final Title<br>showing<br>loan<br>amount<br>coverage. | 4/8/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Minimum Credit Score is 620. The Borrower's Representative Score is 804.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Required Reserves Amount is 20 Months PITIA or $46,480. The Borrower has documented 33 Months or $75,940. |
| &nbsp;&nbsp;&nbsp;173 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $152,159.76, 22.72 months PITI for subject property. LP requires $87,573.48 in reserves<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 766 mid score > min required of 620<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 27 years self employment with Suny Beauty Supply Inc.<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: 18 years at primary residence |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original**<br> **Principal**<br> **Balance** | **State** | **Initial**<br> **Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition**<br> **Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial**<br> **Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **TRID**<br> **Error**<br> **Type** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;1137 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA (or CU)<br>score is >2.5.<br>Clayton to<br>order<br>deskreview | 2/4/2026:<br>Received<br>CDA<br>supporting<br>value. | 2/4/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history with no late pay/derog line items. 791 Median Credit Score, Oldest Trade 8/2012<br> CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 61 consecutive months mortgage payment history exceeds 24 month credit review.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 6yrs tenure with current self employed business |
| &nbsp;&nbsp;&nbsp;906 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing 3rd<br>party desk<br>review or<br>LCA score<br>less than for<br>equal to 2.5<br>score. LCA in<br>file is 3.0<br>which exceeds<br>tolerance. | 4/6/2026:<br>Received<br>CDA not<br>supporting<br>value. | 4/6/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 734 credit score exceeds guidelines minimum requirement of 680<br> CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage shows 0x30<br> CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 consumer credit history since 2020 per CBR.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: Borrower has $49,312.50 in post close reserves and only required to have $8,516.41 |
| &nbsp;&nbsp;&nbsp;906 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A B | Property<br>Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property<br>Value Not<br>Supported | No | 4/6/2026:<br>Exception<br>added after<br>review of<br>trailing docs:<br>CDA received<br>does not<br>support value.<br>Clayton to<br>order next<br>level review. | 4/17/2026:<br>Received<br>Field<br>Review<br>supporting<br>value. | 4/17/2026:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 734 credit score exceeds guidelines minimum requirement of 680<br> CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage shows 0x30<br> CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 consumer credit history since 2020 per CBR.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: Borrower has $49,312.50 in post close reserves and only required to have $8,516.41 |
| &nbsp;&nbsp;&nbsp;1139 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3618 | TRID -<br>Corrected<br>CD should<br>have been<br>provided;<br>Change of<br>Product or<br>Product<br>Feature not<br>disclosed at<br>least 3<br>business days<br>prior to<br>closing | No | Provide proof<br>of receipt of<br>Initial CD<br>dated<br>XXXXXX<br>was issued at<br>least 3<br>business days<br>prior to<br>closing date of<br>XXXXXX | 4.17.2026<br>-<br>Disclosure<br>tracking<br>received | 4.17.2026<br>-<br>Exception<br>satisfied | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 761 is 141 points above the 620 required.<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 15 years 7 months at current residence.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 18.95 months PITIA vs 0 months reserves required.<br> CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has 7 years 4 months at current job. |
| &nbsp;&nbsp;&nbsp;1139 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD:<br>Loan<br>consummated<br>before end of<br>waiting<br>period | No | Please provide<br>evidence that<br>borrower<br>acknowledged<br>receipt of<br>Initial CD<br>dated<br>XXXXXX 3<br>days prior to<br>consummation<br>date of<br>XXXXXX. | 4.17.2026<br>-<br>Disclosure<br>tracking<br>received | 4.17.2026<br>-<br>Exception<br>satisfied | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 761 is 141 points above the 620 required.<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 15 years 7 months at current residence.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 18.95 months PITIA vs 0 months reserves required.<br> CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has 7 years 4 months at current job. |
| &nbsp;&nbsp;&nbsp;1139 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO. | 2/3/2026:<br>Received<br>BPO not<br>supporting<br>value. | 2/3/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 761 is 141 points above the 620 required.<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 15 years 7 months at current residence.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 18.95 months PITIA vs 0 months reserves required.<br> CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has 7 years 4 months at current job. |
| &nbsp;&nbsp;&nbsp;1139 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation.<br>Loan is PIW<br>approved.<br>Clayton to<br>order BPO | 2/3/2026:<br>Received<br>BPO not<br>supporting<br>value. | 2/3/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 761 is 141 points above the 620 required.<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 15 years 7 months at current residence.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 18.95 months PITIA vs 0 months reserves required.<br> CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has 7 years 4 months at current job. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender ATR/QM<br>Status** | **Loan<br>Level ATR/QM<br>Status** | **Condition<br>Category** | **ConditionSub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;1139 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property<br>Value Not<br>Supported | No | 2/3/2026:<br>Exception<br>added after<br>review of<br>trailing docs:<br>2/3/2026:<br>Received BPO<br>not supporting<br>value. Clayton<br>to order next<br>level review. | 2/18/2026:<br>Received<br>Ext 2055<br>supporting<br>value. | 2/18/2026:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 761 is 141 points above the 620 required.<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 15 years 7 months at current residence.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 18.95 months PITIA vs 0 months reserves required.<br> CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has 7 years 4 months at current job. |
| &nbsp;&nbsp;&nbsp;427 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has more than 24 months PITI in reserves<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 803 credit score exceeds 620 credit score minimum.<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history was 0 x 30 out of 14 months |
| &nbsp;&nbsp;&nbsp;273 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 801 mid score > min required of 620<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 13 years at current job<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $649,702.44 or 171 months reserves, required reserves are $0<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minmal usage of available revolving credit lines @ 2.26% |
| &nbsp;&nbsp;&nbsp;54 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score >2.5.<br>Clayton to<br>order desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 746 credit scores exceeds minimum requirement of 620<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for 35 years<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 22.39% is below maximum allowed of 45% |
| &nbsp;&nbsp;&nbsp;1118 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Credit | Re-Verifications | Satisfied C A | CRDRVRFC1803 | Debts/<br>Obligations<br>that were<br>not discl at<br>origination<br>revealed<br>through<br>independent<br>re-<br>verification | No | AUS<br>XXXXXX<br>showing<br>mortgage<br>payoff for:<br>XXXXXX,<br>Acct:<br>\*\*\*XXXXXX,<br>Bal:<br>$XXXXXX.<br>Payoff is not<br>reflected on<br>Closing<br>disclosure | 3/25/2026:<br>Received<br>LP #7<br>with this<br>debt<br>removed<br>as PIF. | 3/25/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Credit report reflects total 168 month history no late payments<br> CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit report, Mortgage history reviewed 92 months, 0x30, 0x60, x0x90, 0x120<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Medium credit scores 745 exceed guidelines minimum of 620 |
| &nbsp;&nbsp;&nbsp;1024 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 2.25%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 804 mid score > min required of 620<br> CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower have 47 months mortgage payment history 0x30 |
| &nbsp;&nbsp;&nbsp;1138 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score<br>was not<br>provided.<br>Clayton to<br>order desk<br>review | 2/26/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 2/26/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 694 mid score > min required of 620.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 14.74%<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified Assets are $133,753.19; required reserves = $47,291.22.<br> CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 151 months.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 10 years. |

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| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender ATR/QM<br>Status** | **Loan<br>Level ATR/QM<br>Status** | **Condition<br>Category** | **ConditionSub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;60 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 13 years and 4 months in current profession.<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: 13 years and 3 months in current residence. |
| &nbsp;&nbsp;&nbsp;1105 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification<br>of some or<br>all<br>components<br>of non-<br>subject<br>PITI | No | Missing<br>XXXXXX

#XXXXXX<br>Home Mtg<br>Statement<br>for Primary<br>Residence<br>for monthly<br>payment of<br>$5926.00<br>has not<br>been<br>uploaded by<br>the Lender. | 2/24/2026:<br>Received<br>docs for PITI<br>$5,926.85/mo<br>& no HOA. | 2/24/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70% LTV for Subject Property is below guideline max LTV of 75%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 715 > 95 points above guideline program minimum of 620.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 39.68% is below the minimum program requirements of 45% |
| &nbsp;&nbsp;&nbsp;1105 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score<br>in file is<br>4.5. Clayton<br>to order<br>Desk<br>Review. | 2/26/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 2/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70% LTV for Subject Property is below guideline max LTV of 75%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 715 > 95 points above guideline program minimum of 620.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 39.68% is below the minimum program requirements of 45% |
| &nbsp;&nbsp;&nbsp;1094 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 76.72% LTV below guideline requirements of 85.00% per program.<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 9 years<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 805 is 185 points above program guideline minimum of 620.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 24.77% DTI is below guideline requirement of 50.00%.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 16 years and 9 months |
| &nbsp;&nbsp;&nbsp;44 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer debt 0 x 30 X 154 months > max permitted of 0 X 30 X 12 months.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job for 15 years.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score of 763 > min required score of 620. |
| &nbsp;&nbsp;&nbsp;28 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation.<br>LCA score<br>not<br>provided<br>(due to<br>property<br>type).<br>Clayton to<br>order desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $$184,563.00 or 75.73 months of PITI Required PITI Reserves are $2437.10 x12.26 months = $$29,889.26<br> CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 12 month payment history required, credit reports over 55 with no lates |
| &nbsp;&nbsp;&nbsp;241 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 768 fico score exceeds guidelines 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $214599.01 or 62.61 months of P&I |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender ATR/QM<br>Status** | **Loan<br>Level ATR/QM<br>Status** | **Condition<br>Category** | **ConditionSub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;1062 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x99.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with employer in the past: 26 years.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this line of work in the past: 43 years.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 797 exceeds min score requirement of 620. |
| &nbsp;&nbsp;&nbsp;1125 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 744 credit score; Minimum FICO is 620<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned the primary residence 26.58 years<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 28.33 years |
| &nbsp;&nbsp;&nbsp;1023 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD:<br>Loan<br>consummated<br>before end of<br>waiting<br>period | No | Please provide<br>evidence that<br>borrower<br>acknowledged<br>receipt of CD<br>dated<br>XXXXXX 3<br>days prior to<br>consummation<br>date of<br>XXXXXX. | 4.8.2026 -<br>ICD<br>received | 4.8.2026 -<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 22 years 7 months in current home<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 776 fico exceeds minimum 620<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 no mortgage lates |
| &nbsp;&nbsp;&nbsp;1023 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification<br>of some or all<br>components<br>of non-<br>subject PITI | No | Missing<br>verification of<br>mortgage<br>statement<br>from<br>XXXXXX,<br>payment for<br>XXXXXX<br>with<br>XXXXXX<br>and HOA if<br>applicable for<br>REO on<br>XXXXXX. | 4/8/2026:<br>Received<br>docs for<br>REOs. No<br>HOA on<br>XXXXXX. | 4/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 22 years 7 months in current home<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 776 fico exceeds minimum 620<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 no mortgage lates |
| &nbsp;&nbsp;&nbsp;284 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification<br>of some or all<br>components<br>of non-<br>subject PITI | No | File is missing<br>verification of<br>the monthly<br>PITI for REO<br>reported on<br>2024 1040<br>Sch E. | 4/6/2026:<br>Received<br>Tax bill -<br>REO is not<br>in<br>borrower's<br>name.<br>Belong's<br>to non-<br>borrowing<br>spouse. | 4/6/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 745 is 125 points above minimum program requirement of 620.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has maintained the same profession for 276 month.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $1,314,706.74/617.10 PITIA which is > guideline minimum. |
| &nbsp;&nbsp;&nbsp;284 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation,<br>CDA<br>required. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 745 is 125 points above minimum program requirement of 620.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has maintained the same profession for 276 month.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $1,314,706.74/617.10 PITIA which is > guideline minimum. |
| &nbsp;&nbsp;&nbsp;327 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA missing<br>a score.<br>Clayton to<br>order desk<br>review | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 31.94% is below maximum allowed of 45%<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgages on credit report all have 0 X 30 payment history<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 806 Credit score exceeds minimum required of 620<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same line of work for 16 years |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender ATR/QM<br>Status** | **Loan<br>Level ATR/QM<br>Status** | **Condition<br>Category** | **ConditionSub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;67 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO | 4/7/2026:<br>Received<br>BPO<br>supporting<br>value. | 4/7/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has been in the same profession for 21 years<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $198,422.39 or 48.56 months PITI reserves. Required $reserves $24,527.58<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 760. Minimum score required 620 |
| &nbsp;&nbsp;&nbsp;161 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Affiliate<br>Business<br>Disclosure<br>missing | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 11.17%<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have36 months mortgage payment history 0x30.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower score is 780. Minimum score per program is 620. |
| &nbsp;&nbsp;&nbsp;161 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation:<br>LCA score<br>is >2.5.<br>Clayton to<br>order desk<br>review | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 11.17%<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have36 months mortgage payment history 0x30.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower score is 780. Minimum score per program is 620. |
| &nbsp;&nbsp;&nbsp;161 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Property | Satisfied C A | PRVAPROP177 | Property<br>Issues<br>Indicated | No | Clarification<br>on the<br>occupancy<br>of the<br>subject<br>property.<br>Appraiser<br>states<br>Owner as<br>the<br>occupant<br>however<br>loan closed<br>as an<br>investment<br>property | 4/10/2026:<br>Received<br>updated<br>appraisal,<br>tenant occ.<br>No Form<br>1007 is<br>with the<br>report but<br>full PITI<br>is counted<br>in DTI. | 4/10/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 11.17%<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have36 months mortgage payment history 0x30.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower score is 780. Minimum score per program is 620. |
| &nbsp;&nbsp;&nbsp;454 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Missing:<br>Required<br>Affiliate<br>Business<br>Disclosure | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 772 credit score exceed guideline minimum of 620<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 39.75% DTI is below guideline maximum of 45%<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Months PITI Verified Reserves of $9595.80 exceed guideline requirement of 2 months or $2094.02 x 2=$4188.04. |
| &nbsp;&nbsp;&nbsp;454 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO | 4/7/2026:<br>Received<br>BPO<br>supporting<br>value. | 4/7/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 772 credit score exceed guideline minimum of 620<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 39.75% DTI is below guideline maximum of 45%<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Months PITI Verified Reserves of $9595.80 exceed guideline requirement of 2 months or $2094.02 x 2=$4188.04. |
| &nbsp;&nbsp;&nbsp;929 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCU Score<br>is<br>unavailable.<br>Clayton to<br>order desk<br>review | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $127,688.59 or 20.41 months PITI reserves. Required reserves $37,440.42<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been self employed over 34 years<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 768. Minimum score required 620<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has been at their current residence for 15 years |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender ATR/QM<br>Status** | **Loan<br>Level ATR/QM<br>Status** | **Condition<br>Category** | **ConditionSub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;1107 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 801 is 181 points above the 620 required.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 6 years 10 months at current job.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of $160,066.05 is $147,345.51 greater than the $12,720.54 reserves required. |
| &nbsp;&nbsp;&nbsp;1109 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: No derogatory information reflected on the credit profile. |
| &nbsp;&nbsp;&nbsp;1110 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation.<br>LCA score ><br>2.5. Clayton<br>to order desk<br>review. | 2/26/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 2/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 680 > 60 points above guideline program minimum of 620.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $355,526.32 (141.66 months of PITIA reserves) > min required reserves of $24,751.26<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 22.09% is below the minimum program requirements of 45% |
| &nbsp;&nbsp;&nbsp;89 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are: $424,727.50 - $108,563.97 cash to close = $316,163.53 or 126.36 months of PITIA. Required reserves are $27,912.72 or 2 months' reserves per financed property per the AUS. Additional $1,136,095.52 or 3.61 times the principal balance, in assets verified but not used to qualify.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 620. Approved FICO is 779. |
| &nbsp;&nbsp;&nbsp;69 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification<br>of some or<br>all<br>components<br>of non-<br>subject<br>PITI | No | Missing<br>property tax<br>documentation<br>for REOs<br>XXXXXX;<br>XXXXXX;<br>and<br>XXXXXX. | 4/7/2026:<br>Tax info is<br>on 2024<br>Schedule E. | 4/7/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Required reserves $24,010.02, post close assets are $243,221.73 - 88 months reserves<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 782 Fico score. Minimum required is 620.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Maximum DTI is 45%, borrower's DTI is 23.68%. |
| &nbsp;&nbsp;&nbsp;943 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have occupied the primary residence for 14 years 6 months.<br> CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: B1 has 20 years in her profession<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post-Closing Assets: $105,935.27 - $10,523.16 required reserves = $95,412.11/$1,753.86 PITIA = 54.40 months additional reserves.<br> CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B2 has been with the employer for 13 years 4 months. |
| &nbsp;&nbsp;&nbsp;102 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification<br>of some or<br>all<br>components<br>of non-<br>subject<br>PITI | No | Missing<br>mortgage<br>statement for<br>XXXXXX<br>property. To<br>verify proof<br>taxes/ins/ and<br>any HOA<br>dues | 4/7/2026:<br>Received<br>credit<br>report page<br>showing<br>payment<br>but does<br>not verify<br>escrows are<br>included,<br>and need<br>verification<br>of HOA.<br>Lender<br>noted<br>taking full<br>hit on<br>components<br>of PITIA. | 4/7/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 720 mid score > min required of 620<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession 41 years.<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: 25 years at primary residence |
| &nbsp;&nbsp;&nbsp;1060 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrower`s DTI 32.92% is below guideline maximum 50%<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: 20+ years at present job<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20 years at current residence<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 811 mid score > minimum required of 620 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender ATR/QM<br>Status** | **Loan<br>Level ATR/QM<br>Status** | **Condition<br>Category** | **ConditionSub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;452 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $39,689.43 or 14.56 months of PITIA.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this line of work in the past: 31 years.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with employer in the past: 31 years.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 799 exceeds min score requirement of 620. |
| &nbsp;&nbsp;&nbsp;104 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt B A | Property<br>Valuations | FEMA | Waived B | PRVAFEMA856 | Natural<br>Disaster<br>Area, no<br>subsequent<br>inspection<br>(Public) | No | FEMA<br>declaration date<br>XXXXXX eff v-<br>XXXXXX with<br>appraisal date<br>XXXXXX6. PDI<br>to be ordered by<br>Clayton. | 3/23/2026:<br>Client<br>acknowledges<br>Level 2<br>exception.<br>Public<br>Assistance<br>only. | 3/23/2026: Waived<br>non-material. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 738 score exceeds required minimum.<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2017 per CR.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: 9.36% revolving credit usage shows minimal use. |
| &nbsp;&nbsp;&nbsp;946 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have46 months mortgage payment history 0x30.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $472,363.18 > min required of $19,276.22.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 748 mid score > min required of 620<br> CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 7+ years at present job<br> CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 193 months.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; guidelines allow 85%.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 40% is below guideline maximum 45%.<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: 6+ years at current residence |
| &nbsp;&nbsp;&nbsp;413 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | Compliance<br>Manual | Satisfied D A | CMPMAN2956 | Missing<br>disclosure | No | Missing copy of<br>intent to proceed<br>signed by the<br>borrowers | 4/8/2026:<br>Received Intent<br>to Proceed,<br>signed<br>XXXXXX. | 4/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower does not have any mortgage lates within the past two years. No mortgage lates on credit.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: B2 (Michael Roberts) has been in the same profession for 37 years.<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence for 16 years. |
| &nbsp;&nbsp;&nbsp;413 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Missing copy of<br>ABA and or<br>Facts sheet<br>showing<br>affiliates, if any. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower does not have any mortgage lates within the past two years. No mortgage lates on credit.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: B2 (Michael Roberts) has been in the same profession for 37 years.<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence for 16 years. |
| &nbsp;&nbsp;&nbsp;413 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing updated<br>valuation. LCA<br>score > 2.5.<br>Clayton to order<br>desk review. | 4/07/2026:<br>CDA provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower does not have any mortgage lates within the past two years. No mortgage lates on credit.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: B2 (Michael Roberts) has been in the same profession for 37 years.<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence for 16 years. |
| &nbsp;&nbsp;&nbsp;72 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA -<br>Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the<br>loan file is<br>missing<br>documents<br>to<br>complete<br>the ATR/<br>QM<br>review and<br>render an<br>accurate<br>ATR/QM<br>status. | No | Clayton verified<br>$7,276.23/month.<br>Lender verified<br>$8,262.66/month.<br>Per paystub<br>provided,<br>borrower is paid<br>10 months which<br>yields<br>$5,285.22/month<br>base. Cannot<br>verify the<br>additional<br>income and if it<br>is bonus as<br>indicated, there<br>are no docs to<br>verify receipt or<br>continuance.<br>Without the<br>additional<br>income, DTI<br>goes over 50%. | 4/6/2026: DU

#4 findings<br>DTI 49.71%<br>includes<br>$108.33/month<br>Bonus income.<br>Provide<br>documentation<br>for this<br>additional<br>income or re-<br>run with<br>continued<br>Approve/<br>Eligible over<br>50%<br>DTI.4/15/2026:<br>Received<br>WVOE<br>showing Bonus<br>income $1,400<br>YTD+ $1,200<br>2024 /24 =<br>$108.33/month. | 4/6/2026:<br>Exception<br>remains.4/15/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower score is 756. Minimum score per program is 620.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 19.02%<br> CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 81 months. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender ATR/QM<br>Status** | **Loan<br>Level ATR/QM<br>Status** | **Condition<br>Category** | **ConditionSub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;72 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Income/<br>Employment | Satisfied D A | CRDINC3204 | Income<br>Documentation<br>Missing | No | Clayton verified<br>$7,276.23/month.<br>Lender verified<br>$8,262.66/month.<br>Per paystub<br>provided,<br>borrower is paid<br>10 months which<br>yields<br>$5,285.22/month<br>base. Cannot<br>verify the<br>additional<br>income and if it<br>is bonus as<br>indicated, there<br>are no docs to<br>verify receipt or<br>continuance.<br>Without the<br>additional<br>income, DTI<br>goes over 50%. | 4/6/2026: DU

#4 findings<br>DTI 49.71%<br>includes<br>$108.33/month<br>Bonus income.<br>Provide<br>documentation<br>for this<br>additional<br>income or re-<br>run with<br>continued<br>Approve/<br>Eligible over<br>50%<br>DTI.4/15/2026:<br>Received<br>WVOE<br>showing Bonus<br>income $1,400<br>YTD+ $1,200<br>2024 /24 =<br>$108.33/month. | 4/6/2026:<br>Exception<br>remains.4/15/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower score is 756. Minimum score per program is 620.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 19.02%<br> CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 81 months. |
| &nbsp;&nbsp;&nbsp;72 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU/LCA score<br>not returned.<br>Clayton to order<br>Desk Review. | 4/07/2026:<br>CDA provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower score is 756. Minimum score per program is 620.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 19.02%<br> CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 81 months. |
| &nbsp;&nbsp;&nbsp;25 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 34.45% is below maximum allowed of 45%<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same line of work for 25 years<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 9 years<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 817 Credit score exceeds minimum required of 620<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: All mortgages on Credit report have 0 X 30 payment histories |
| &nbsp;&nbsp;&nbsp;442 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied C A | PRVAAPPR4463 | UCDP - File is<br>missing<br>evidence that<br>appraisal<br>report was<br>successfully<br>submitted to<br>UCDP | No | Clayton to order<br>Desk Review. | 4/8/2026:<br>Received CDA<br>supporting<br>value. | 4/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 803 mid score > min required of 620<br> CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have143 months mortgage payment history 0x30.<br> CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 36 months. |
| &nbsp;&nbsp;&nbsp;442 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing updated<br>valuation, CDA<br>required. | 4/07/2026:<br>CDA provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 803 mid score > min required of 620<br> CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have143 months mortgage payment history 0x30.<br> CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 36 months. |
| &nbsp;&nbsp;&nbsp;21 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 796 mid score > min required of 620<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 5+ years at present job<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $159406.69 > min required of $30,130. |
| &nbsp;&nbsp;&nbsp;922 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score is ><br>2.5. Clayton to<br>order desk<br>review. | 4/07/2026:<br>CDA provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit history exceeds guidelines with no late payments in the past 5 years or more.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines at 784 with a minimum credit score of 620. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender ATR/QM<br>Status** | **Loan<br>Level ATR/QM<br>Status** | **Condition<br>Category** | **ConditionSub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;292 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU 2.7 score<br>is >2.5.<br>Clayton to<br>order desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 755 exceeds min score requirement of 620.<br> CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 50 months.<br> CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x84. |
| &nbsp;&nbsp;&nbsp;1044 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 8 years<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same line of work for 20 years<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: All mortgages on Credit Report have a 0 X 30 Payment history<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 791 Credit score exceeds minimum required of 620 |
| &nbsp;&nbsp;&nbsp;1126 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of $489,440.89 is $456,556.43 greater than the $32,884.46 reserves required.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 745 is 125 points above the 620 required.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 26 years at current job.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI (Back) of 38.59% is 6.41% below the 45% allowed. |
| &nbsp;&nbsp;&nbsp;1135 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Length of current employment 8 years<br> CFCFS3836: Borrower Net Worth<br> - Clayton Comments: Additional business assets validated in file, not required on AUS. Current account balance $689,181.10. Borrower is 50% owner<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 808 exceeds minimum of 620 |
| &nbsp;&nbsp;&nbsp;898 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Affiliate<br>Business<br>Disclosure<br>missing | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 789 mid score > min required of 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $41,783.12 > required $0.00 |
| &nbsp;&nbsp;&nbsp;898 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Credit | Credit/<br>Mtg<br>History | Active B | CRDCRMH123 | No<br>evidence<br>of<br>required<br>debt<br>payoff | No | File does not<br>contain any<br>documentation<br>addressing the<br>following<br>AUS message:<br>Per final AUS

#XXXXXX,<br>loan was<br>submitted<br>with the<br>following<br>debts to be<br>paid at or<br>before closing,<br>XXXXXX/<br>XXXXXX

#XXXXXX<br>Bal $70,<br>XXXXXX

#XXXXXX<br>Bal $6265.<br>Borrowers<br>have sufficient<br>funds to pay<br>these<br>balances. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 789 mid score > min required of 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $41,783.12 > required $0.00 |
| &nbsp;&nbsp;&nbsp;481 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has 9.64% revolving credit utilization<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $30,003.03 / 21.27 months PITIA > min required of $8,462.40/6 months PITIA. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender ATR/QM<br>Status** | **Loan<br>Level ATR/QM<br>Status** | **Condition<br>Category** | **ConditionSub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;944 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 6 years and 5 months at current job per VOE on file.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 804 FICO exceeds program min of 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close assets of $378,225.76 or 124.16 months PITIA exceed the minimum requires reserves of $18,278.28 per LP. |
| &nbsp;&nbsp;&nbsp;174 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been with his current employer for 9 years<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Debt to income ratio of 32% is less than guideline requirement of 45%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower's qualifying fico of 777 exceeds minimum required of 620 |
| &nbsp;&nbsp;&nbsp;410 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower does not have any major mortgage related occurrences during the past two years<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 35% DTI below guideline requirement max 50%<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV is below guideline requirements 90% |
| &nbsp;&nbsp;&nbsp;1019 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Property<br>Valuations | FEMA | Active B | PRVAFEMA856 | Natural<br>Disaster<br>Area, no<br>subsequent<br>inspection<br>(Public) | No | Missing<br>inspection<br>post<br>FEMA<br>disaster<br>declared<br>XXXXXX.<br>Appraisal<br>completed<br>XXXXXX.<br>Clayton to<br>order PDI | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified DTI is 44% is below guideline maximum of 45% or approved by AUS<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score 785 exceeds minimum of 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified Cash reserves $26564.46 exceeds AUS reserve requirement of $12836.07 |
| &nbsp;&nbsp;&nbsp;329 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | Insurance | Satisfied D A | CRDINSR5081 | Insurance<br>Policy<br>missing<br>required<br>endorsements | No | Copy of<br>insurance<br>policy in<br>file does<br>not contain<br>the<br>premium<br>amount. | 4/7/2026:<br>Received<br>HOI<br>premium<br>info<br>matching<br>entry in<br>Focus. | 4/7/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $229,461.89 or 60.80 months of PITI. Required Reserves are $22,645.26.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 777 exceeds the min requirement of 620.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV of 75% is less than the max allowed of 85%. |
| &nbsp;&nbsp;&nbsp;329 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score<br>is not<br>provided.<br>Clayton to<br>order desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $229,461.89 or 60.80 months of PITI. Required Reserves are $22,645.26.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 777 exceeds the min requirement of 620.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV of 75% is less than the max allowed of 85%. |
| &nbsp;&nbsp;&nbsp;900 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 15 years =Significant time at current residence<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $95,979.98 (54.62 months PITIA reserves) > min required of $0<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 18.8 DTI is below guideline requirement<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current businesses, over 20 years on both |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender ATR/QM<br>Status** | **Loan<br>Level ATR/QM<br>Status** | **Condition<br>Category** | **ConditionSub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;1076 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 28 years at current job<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 745 mid score > min required of 620<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 18.02% is below guideline maximum 45%. |
| &nbsp;&nbsp;&nbsp;58 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 33.86% is below guideline maximum 45%.<br> CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 257 months.<br> CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have59 months mortgage payment history 0x30.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 7.71%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 812 mid score > min required of 620<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 30+ years at present job |
| &nbsp;&nbsp;&nbsp;150 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | Credit/<br>Mtg<br>History | Active B | CRDCRMH120 | Collections,<br>charge offs,<br>liens, etc.<br>exceed<br>guidelines | No | the 1003<br>reflects the<br>borrower<br>has an<br>outstanding<br>debt with<br>the IRS,<br>however<br>there were<br>no<br>documents<br>in the loan<br>file that<br>supports<br>any<br>existing<br>debt as<br>such | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has been s/e for 10 years<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The borrower's credit score of 694 exceeds minimum requirement 620 |
| &nbsp;&nbsp;&nbsp;150 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU/LCA<br>score 2.9.<br>Clayton to<br>order Desk<br>Review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has been s/e for 10 years<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The borrower's credit score of 694 exceeds minimum requirement 620 |
| &nbsp;&nbsp;&nbsp;94 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score<br>is >2.5.<br>Clayton to<br>order desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $510,941.62 or 83.27 months PITI reserves. Required reserves $447,830.60<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has been in the same profession for 20 years<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 769. Minimum score required 620 |
| &nbsp;&nbsp;&nbsp;632 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit 780 exceeds guidelines 680<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 32.89% is below maximum 50%<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 75% is blew maximum allowed 85% |
| &nbsp;&nbsp;&nbsp;1022 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum credit score required is 620, borrower's credit score is 797<br> CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has a 49 month satisfactory mortgage rating<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Maximum DTI 50.00% for LP; borrower's DTI 45.65% |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender ATR/QM<br>Status** | **Loan<br>Level ATR/QM<br>Status** | **Condition<br>Category** | **ConditionSub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;1096 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Required<br>Affiliate<br>Business<br>Disclosure<br>missing. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 32.94% is below guideline maximum 45%.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 819 mid score > min required of 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have post close assets of $1,066,293.00 months or 451.33 months PITI for this transaction |
| &nbsp;&nbsp;&nbsp;1096 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | Terms/<br>Guidelines | Satisfied D A | CRDTER2548 | Missing AUS<br>or AUS errors<br>present | No | Missing the<br>DU findings<br>from loan file<br>AUS

#XXXXXX<br>per Lender<br>1008 and the<br>UCD findings<br>report in file | 4/8/2026:<br>Received<br>DU #4 run<br>12/23/2025. | 4/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 32.94% is below guideline maximum 45%.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 819 mid score > min required of 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have post close assets of $1,066,293.00 months or 451.33 months PITI for this transaction |
| &nbsp;&nbsp;&nbsp;1096 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation. CU<br>score > 2.5.<br>Clayton to<br>order desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 32.94% is below guideline maximum 45%.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 819 mid score > min required of 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have post close assets of $1,066,293.00 months or 451.33 months PITI for this transaction |
| &nbsp;&nbsp;&nbsp;110 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>LCA 0 score is<br>>2.5. Clayton<br>to order desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x99.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Actual LTV 75% / Max LTV 85%.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 785 exceeds min score requirement of 620.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $322,053.34 or 54.42 months of PITI. |
| &nbsp;&nbsp;&nbsp;62 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Active C | CMPTRID3670 | TRID - Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to<br>closing<br>without a<br>valid reason<br>or not timely<br>disclosed;<br>refund<br>required<br>within 60<br>days of<br>consummation | Yes | Zero tolerance<br>fail for $40.00.<br>Appraisal fee<br>increased from<br>$800 on CD<br>XXXXXX to<br>$840.00 on<br>CD<br>XXXXXX. No<br>documentation<br>provided<br>disclosing<br>increase in fee.<br>Please provide<br>either<br>documentation<br>or Letter of<br>explanation,<br>corrected<br>Closing<br>Disclosure,<br>refund, proof<br>of delivery<br>within 60 days<br>of<br>consummation. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #48 months,<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $14,012.73 Required Reserves are $10,121.46Cash Out @ closing $37,647.47<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 780 / 696 exceeds minimum of 620 |
| &nbsp;&nbsp;&nbsp;62 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Credit | Credit/<br>Mtg<br>History | Active B | CRDCRMH123 | No evidence<br>of required<br>debt payoff | No | Missing fully<br>executed<br>payoff and<br>close letter for<br>XXXXXX | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #48 months,<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $14,012.73 Required Reserves are $10,121.46Cash Out @ closing $37,647.47<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 780 / 696 exceeds minimum of 620 |
| &nbsp;&nbsp;&nbsp;195 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Affiliate<br>Business<br>Disclosure<br>missing | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $501,684.83 /162.24 months PITIA > min required of $50,109.52.<br> CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 18 years at present job<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 783 mid score > min required of 620<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 20 years at present job<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have53 months mortgage payment history 0x30.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 2.41% |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender ATR/QM<br>Status** | **Loan<br>Level ATR/QM<br>Status** | **Condition<br>Category** | **ConditionSub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;195 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Credit | Credit/Mtg<br>History | Satisfied B A | CRDCRMH123 | No evidence<br>of required<br>debt payoff | No | 4/9/2026:<br>Exception<br>updated:<br>Provide<br>evidence of<br>payoff and<br>refinance of<br>XXXXXX

#XXXXXX<br>$XXXXXX<br>to new<br>XXXXXX.<br>Per Lender,<br>XXXXXX<br>payment<br>omitted and<br>Final 1003 is<br>updated with<br>new loan. | 4/14/2026:<br>Received Final<br>HUD1 showing<br>pay off for<br>subject. The<br>Final 1003<br>shows a lien<br>with XXXXXX<br>on REO<br>XXXXXX.<br>Provide the<br>Final CD or<br>HUD1 for this<br>REO.4/16/2026:<br>Received Final<br>CD for the refi<br>on XXXXXX. | 4/14/2026:<br>Exception<br>remains.4/16/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $501,684.83 /162.24 months PITIA > min required of $50,109.52.<br> CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 18 years at present job<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 783 mid score > min required of 620<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 20 years at present job<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have53 months mortgage payment history 0x30.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 2.41% |
| &nbsp;&nbsp;&nbsp;195 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Credit | Income/<br>Employment | Satisfied C A | CRDINC2488 | Verbal<br>verification of<br>employment<br>missing | No | Missing<br>verbal VOE<br>for XXXXXX | 4/9/2026:<br>Received<br>VVOE for B1<br>dated 2/2/2026. | 4/9/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $501,684.83 /162.24 months PITIA > min required of $50,109.52.<br> CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 18 years at present job<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 783 mid score > min required of 620<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 20 years at present job<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have53 months mortgage payment history 0x30.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 2.41% |
| &nbsp;&nbsp;&nbsp;195 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA returned<br>no score.<br>Clayton to<br>order Desk<br>Review. | 4/07/2026:<br>CDA provided<br>supports<br>appraised value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $501,684.83 /162.24 months PITIA > min required of $50,109.52.<br> CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 18 years at present job<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 783 mid score > min required of 620<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 20 years at present job<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have53 months mortgage payment history 0x30.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 2.41% |
| &nbsp;&nbsp;&nbsp;155 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Affiliate<br>Business<br>Disclosure<br>missing | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 783. Minimum score required 620.<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have lived at their current residence over 10 years<br> CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B2 has been self employed over 17 years<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been at their current job over 20 years<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $501,684.83 or 157.86 months PITI reserves. Required $50,662.40 per month |
| &nbsp;&nbsp;&nbsp;155 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Credit | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CRDATRQM3124 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; Lender<br>did not<br>provide an<br>ATR/QM<br>status<br>determination. | No | Provide<br>lender QM<br>determination. | 4/7/2026:<br>Received Safe<br>Harbor<br>determination. | 4/7/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 783. Minimum score required 620.<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have lived at their current residence over 10 years<br> CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B2 has been self employed over 17 years<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been at their current job over 20 years<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $501,684.83 or 157.86 months PITI reserves. Required $50,662.40 per month |
| &nbsp;&nbsp;&nbsp;155 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Credit | Income/<br>Employment | Satisfied C A | CRDINC2488 | Verbal<br>verification of<br>employment<br>missing | No | Provide<br>Verbal VOE<br>for B1. One<br>of the VVOEs<br>in the file is<br>blank. | 4/7/2026:<br>Received<br>VVOE for B1<br>dated 2/2/2026. | 4/7/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 783. Minimum score required 620.<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have lived at their current residence over 10 years<br> CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B2 has been self employed over 17 years<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been at their current job over 20 years<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $501,684.83 or 157.86 months PITI reserves. Required $50,662.40 per month |
| &nbsp;&nbsp;&nbsp;155 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score<br>has no score.<br>Clayton to<br>order desk<br>review | 4/07/2026:<br>CDA provided<br>supports<br>appraised value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 783. Minimum score required 620.<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have lived at their current residence over 10 years<br> CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B2 has been self employed over 17 years<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been at their current job over 20 years<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $501,684.83 or 157.86 months PITI reserves. Required $50,662.40 per month |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender ATR/QM<br>Status** | **Loan<br>Level ATR/<br>QM Status** | **Condition<br>Category** | **ConditionSub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;544 | XXXXXX | XXXXXX | XXXXXX | QM: Safe<br>Harbor<br>(APOR) | QM: Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA Risk<br>score<br>could not<br>be<br>assessed.<br>Clayton to<br>order desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 172 months.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 9+ years at present job<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 9 years 10 months.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 18% |
| &nbsp;&nbsp;&nbsp;395 | XXXXXX | XXXXXX | XXXXXX | QM: Safe<br>Harbor<br>(APOR) | QM: Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved.<br>Clayton to<br>order<br>BPO. | 4/7/2026:<br>received<br>BPO<br>supporting<br>value. | 4/7/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 36.83% is below guideline maximum 45%.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets/reserves are $137,487.23, LP required $0.00 in reserves to be verified.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 16.46% |
| &nbsp;&nbsp;&nbsp;395 | XXXXXX | XXXXXX | XXXXXX | QM: Safe<br>Harbor<br>(APOR) | QM: Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved.<br>Clayton to<br>order<br>BPO. | 4/7/2026:<br>received<br>BPO<br>supporting<br>value. | 4/7/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 36.83% is below guideline maximum 45%.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets/reserves are $137,487.23, LP required $0.00 in reserves to be verified.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 16.46% |
| &nbsp;&nbsp;&nbsp;140 | XXXXXX | XXXXXX | XXXXXX | QM: Safe<br>Harbor<br>(APOR) | QM: Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Affiliate<br>Business<br>Disclosure<br>missing. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Coborrower has 18+ years at present job<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $186,125.53/ 60.76 months PITIA > min required of $0.00.<br> CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 19+ years at present job<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 807 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;140 | XXXXXX | XXXXXX | XXXXXX | QM: Safe<br>Harbor<br>(APOR) | QM: Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order<br>BPO. | 4/7/2026:<br>Received<br>BPO<br>supporting<br>value. | 4/7/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Coborrower has 18+ years at present job<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $186,125.53/ 60.76 months PITIA > min required of $0.00.<br> CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 19+ years at present job<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 807 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;140 | XXXXXX | XXXXXX | XXXXXX | QM: Safe<br>Harbor<br>(APOR) | QM: Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order<br>BPO. | 4/7/2026:<br>Received<br>BPO<br>supporting<br>value. | 4/7/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Coborrower has 18+ years at present job<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $186,125.53/ 60.76 months PITIA > min required of $0.00.<br> CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 19+ years at present job<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 807 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;684 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Rebuttable<br>Presumption<br>(APOR) | QM:<br>Rebuttable<br>Presumption<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have225 months mortgage payment history 0x30.<br> CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 256 months.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 732 mid score > min required of 620<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 11.250% |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender ATR/QM<br>Status** | **Loan<br>Level ATR/QM<br>Status** | **Condition<br>Category** | **ConditionSub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;508 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | UCDP/<br>SSR in file<br>but results<br>not<br>available<br>for non-<br>UAD<br>forms.<br>Clayton to<br>order desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 11.73%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 788 mid Score > miin required of 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $82,337.66 or 47 months reserves, required reserves $10,501.68 or 6 months reserves |
| &nbsp;&nbsp;&nbsp;508 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Property | Satisfied D A | PRVAPROP111 | Legal<br>Nonconforming<br>w/out Rebuild<br>Letter | No | Per<br>appraisal<br>addendum,<br>City will<br>not issue a<br>rebuild<br>letter,<br>appraiser<br>does not<br>know<br>whether the<br>property<br>can be<br>rebuilt if<br>destroyed. | 4/9/2026:<br>Lender<br>provided<br>clarification,<br>ok to<br>rebuild. | 4/9/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 11.73%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 788 mid Score > miin required of 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $82,337.66 or 47 months reserves, required reserves $10,501.68 or 6 months reserves |
| &nbsp;&nbsp;&nbsp;326 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Please<br>provide a<br>copy of the<br>Affiliate<br>Business<br>Disclosure. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $788,067.05 or 261 months of PITIA. No reserves are required.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score is 801. Guidelines require 620.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified DTI is 24.16%. Guidelines allow up to 45%. |
| &nbsp;&nbsp;&nbsp;175 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver (PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO. | 4/7/2026:<br>Received<br>BPO<br>supporting<br>value. | 4/7/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Borrower earns additional and other income not used to qualify. Borrower is also not using rental income.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: 12% revolving credit usage<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score of 783 > 620 required |
| &nbsp;&nbsp;&nbsp;187 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score<br>3.8 > 2.5.<br>Clayton to<br>order Desk<br>Review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 34.1 below guideline maximum 45%<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 75% below guideline maximum 90%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 790 FICO exceeds guideline minimum 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $6,093.30 verified reserves exceed guideline $0 required. |
| &nbsp;&nbsp;&nbsp;453 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 8 years.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed with Texas Instruments for 15 years and 4 months.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 28 years.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 5.16%<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 68.106%; guidelines allow 85%. |
| &nbsp;&nbsp;&nbsp;165 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | Title | Satisfied D A | CRDTIL865 | Title<br>incomplete | No | Preliminary<br>title in file<br>doesn't<br>reflect<br>coverage<br>amount and<br>mortgage<br>clause. | 4/7/2026:<br>Received<br>Final title<br>with<br>required<br>info. | 4/7/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 231 months.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves of $597,779.23 exceed the required of $49,042.50.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 804 is 184 points above minimum program requirement of 620.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%; guidelines allow 85%.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit line usage ratio of 9.00%. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender ATR/QM<br>Status** | **Loan<br>Level ATR/QM<br>Status** | **Condition<br>Category** | **ConditionSub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;1017 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D B A | Credit | Credit/<br>Mtg<br>History | Active B | CRDCRMH123 | No<br>evidence of<br>required<br>debt payoff | No | Missing<br>documentation<br>supporting<br>payoff of<br>XXXXXX<br>LLC

#XXXXXX<br>$225,293. DU<br>item 13 called<br>for<br>documentation<br>to support the<br>omission.<br>There is a<br>1008 for a R/T<br>refi for<br>XXXXXX,<br>but no proof<br>transaction is<br>complete and<br>under B1<br>name which<br>does not<br>validate<br>omission of<br>PITI. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 764 mid score > min required of 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $146,786.35 / 65.48 months PITIA > min required of $24,299.14.<br> CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Rental income as shown on tax returns was omitted from qualification.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 8.12% |
| &nbsp;&nbsp;&nbsp;1017 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D B A | Credit | Credit/<br>Mtg<br>History | Active B | CRDCRMH193 | Length of<br>mortgage/<br>rental<br>history in<br>file does<br>not meet<br>guideline<br>requirement | No | Missing VOM<br>for XXXXXX<br>(not reporting)<br>$XXXXXX.<br>DU item 14<br>called to<br>verify<br>payment<br>history for the<br>mortgage not<br>listed on credit<br>report. Per<br>Property<br>Passport, loan<br>was opened in<br>2022. VOM is<br>required. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 764 mid score > min required of 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $146,786.35 / 65.48 months PITIA > min required of $24,299.14.<br> CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Rental income as shown on tax returns was omitted from qualification.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 8.12% |
| &nbsp;&nbsp;&nbsp;1017 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>approved<br>PIW. Clayton<br>to order BPO. | 4/9/2026:<br>Received<br>BPO<br>supporting<br>value. | 4/9/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 764 mid score > min required of 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $146,786.35 / 65.48 months PITIA > min required of $24,299.14.<br> CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Rental income as shown on tax returns was omitted from qualification.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 8.12% |
| &nbsp;&nbsp;&nbsp;1017 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW. Clayton<br>to order BPO. | 4/9/2026:<br>Received<br>BPO<br>supporting<br>value. | 4/9/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 764 mid score > min required of 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $146,786.35 / 65.48 months PITIA > min required of $24,299.14.<br> CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Rental income as shown on tax returns was omitted from qualification.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 8.12% |
| &nbsp;&nbsp;&nbsp;157 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>LCA score is<br>Collateral<br>R&W Relief<br>Not Eligible.<br>Clayton to<br>order desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO is 793, minimum required by G/L is 620<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been with the same employer for 5 years<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $33,588.63 or 14.63 months of PITI. Reserves are required $13,775.52 |
| &nbsp;&nbsp;&nbsp;153 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA 3.5 score<br>is >2.5.<br>Clayton to<br>order desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this line of work in the past: 29 years.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 747 exceeds min score requirement of 620.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $154,857.94 or 62.34 months of PITIA.<br> CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 60 months. |
| &nbsp;&nbsp;&nbsp;33 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Multi-unit<br>property, LCA<br>score not<br>assessed.<br>Clayton to<br>order desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 782 exceeds minimum required of 620.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 20.75% is below Guideline maximum of 45%.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 19+ years with current employer. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender ATR/QM<br>Status** | **Loan<br>Level ATR/QM<br>Status** | **Condition<br>Category** | **ConditionSub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;401 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation,<br>CDA<br>required. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 315 months.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; guidelines allow 85%.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has maintained current job for 20.08 years<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $48,582.67/19.92 PITIA; minimum required reserves $7,739.34.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit line usage ratio of 1.19%.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 801 is 181 points above minimum program requirement of 620.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 32.46% is below the guideline maximum of 50%. |
| &nbsp;&nbsp;&nbsp;915 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | CMPTRID3640 | TRID -<br>CD: Zero<br>tolerance<br>fee or fees<br>increased<br>at or prior<br>to closing<br>without a<br>valid<br>reason or<br>the revised<br>LE/CD<br>was not<br>timely<br>disclosed;<br>insufficient<br>credit or<br>refund<br>provided | No | Zero<br>tolerance<br>Appraisal<br>fee<br>increased<br>at or prior<br>to closing<br>without a<br>valid<br>reason;<br>insufficient<br>credit or<br>refund<br>provided<br>in the<br>amount of<br>$200. The<br>stated Zero<br>tolerance<br>fee<br>increased<br>to $400. | 4.8.2026 -<br>Cure<br>provided | 4.8.2026 -<br>Exception<br>satisfied | Numeric | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 620. Approved FICO is 795.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $20,261.61 or 9.76 months of PITIA. Required reserves are $12,635.86.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has a credit line usage ratio of 2.0%. |
| &nbsp;&nbsp;&nbsp;915 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Credit | Insurance | Satisfied C A | CRDINSR3028 | Flood<br>Certificate<br>has<br>incorrect<br>or<br>incomplete<br>data | No | The Flood<br>Certificate<br>is partially<br>illegible. | 4/21/2026:<br>Received<br>Clear<br>copy of<br>Flood<br>Cert. | 4/21/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 620. Approved FICO is 795.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $20,261.61 or 9.76 months of PITIA. Required reserves are $12,635.86.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has a credit line usage ratio of 2.0%. |
| &nbsp;&nbsp;&nbsp;915 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Credit | Insurance | Satisfied D A | CRDINSR848 | Missing<br>Hazard<br>Insurance | No | Missing<br>evidence<br>of<br>insurance<br>in the file<br>for the<br>subject<br>property. | 4/8/2026:<br>Received<br>HOI and<br>RCe for<br>subject. | 4/8/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 620. Approved FICO is 795.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $20,261.61 or 9.76 months of PITIA. Required reserves are $12,635.86.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has a credit line usage ratio of 2.0%. |
| &nbsp;&nbsp;&nbsp;915 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU Score<br>was not<br>provided.<br>Clayton to<br>order desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 620. Approved FICO is 795.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $20,261.61 or 9.76 months of PITIA. Required reserves are $12,635.86.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has a credit line usage ratio of 2.0%. |
| &nbsp;&nbsp;&nbsp;68 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | UCDP<br>reflects<br>analysis<br>was not<br>performed<br>- non-<br>UAD form<br>type.<br>Clayton to<br>order desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 10+ years at present job<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 790 mid score > min required of 620<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10+ years at primary residence |
| &nbsp;&nbsp;&nbsp;596 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | The<br>required<br>Affiliate<br>Business<br>Disclosure<br>is not<br>provided<br>in the loan<br>file. | (No Data) | (No Data) | (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $422,513.28/342.58 PITIA which is > guideline minimum.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 62.31%; guidelines allow 75%.<br> CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 361 months.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 768 is 148 points above minimum program requirement of 620.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 23.35% is below the guideline maximum of 50%. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender ATR/QM<br>Status** | **Loan<br>Level ATR/QM<br>Status** | **Condition<br>Category** | **ConditionSub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;896 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned the primary residence 35 years<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 19.42 years in the same profession<br> CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit reflects oldest tradeline date 1/1992, reporting 0x30 |
| &nbsp;&nbsp;&nbsp;892 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score is<br>>2.5.<br>Clayton to<br>order desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower is 0 x 30 on mortgage history<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score of 808 exceeds program minimum of 620<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been on job for nearly 20 years<br> CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Borrower receives restricted stock evidenced on paystubs; not used to qualify |
| &nbsp;&nbsp;&nbsp;325 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score is<br>999.<br>Clayton to<br>order desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been self employed for 8 years, B2 has 8 years with current employer.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimal use of revolving credit, qualifying credit score of 810.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves verified at $80,866.22, required reserves are $13,313.19. |
| &nbsp;&nbsp;&nbsp;583 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | Credit/<br>Mtg<br>History | Satisfied D A | CRDCRMH149 | Missing<br>support<br>docs for<br>VOM/<br>VOR (e.g.<br>cancelled<br>checks) | No | Missing<br>VOM for<br>XXXXXX<br>mortgage to<br>be paid in<br>full - DU<br>Findings<br>require 12<br>months<br>satisfactory<br>history.<br>Credit<br>report<br>shows<br>history<br>from<br>8/15/2024-<br>10/1/2024<br>with<br>XXXXXX<br>only. | 4/10/2026:<br>Received<br>payment<br>history<br>from<br>8/2024-<br>3/2026.<br>0X30. | 4/10/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 788 mid score > min required of 620<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 37.90% is below guideline maximum of 45%<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 3.34% |
| &nbsp;&nbsp;&nbsp;583 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No UCDP<br>Score due<br>to property<br>type.<br>Clayton to<br>order Desk<br>Review. | 4/8/2026:<br>Received<br>CDA<br>supporting<br>value. | 4/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 788 mid score > min required of 620<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 37.90% is below guideline maximum of 45%<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 3.34% |
| &nbsp;&nbsp;&nbsp;518 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: CO-Borrower has been in the same line of work for 20 years<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: The three mortgages on the Credit Report all have 0 X 30 Payment histories<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 28.32% is below maximum allowed of 45%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 746 Credit score exceeds minimum required of 620 |
| &nbsp;&nbsp;&nbsp;86 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA -<br>Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the<br>loan file is<br>missing<br>documents<br>to<br>complete<br>the ATR/<br>QM<br>review<br>and render<br>an<br>accurate<br>ATR/QM<br>status. | No | Missing<br>verification<br>of some or<br>all<br>components<br>of non-<br>subject<br>PITI:<br>Missing<br>taxes for<br>the<br>borrowers<br>primary<br>residence at<br>XXXXXX. | 4/8/2026:<br>Received<br>tax info<br>$10,078.40<br>annual. | 4/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $571,560.77 / 107.19 months PITIA > min required of $0.00.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 804 mid score > min required of 620<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 57%; guidelines allow 80+%.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 35 years.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 9.73% |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender ATR/QM<br>Status** | **Loan<br>Level ATR/QM<br>Status** | **Condition<br>Category** | **ConditionSub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;86 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification<br>of some or<br>all<br>components<br>of non-<br>subject<br>PITI | No | Missing taxes<br>for the<br>borrowers<br>primary<br>residence at<br>XXXXXX. | 4/8/2026:<br>Received<br>tax info<br>$10,078.40<br>annual. | 4/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $571,560.77 / 107.19 months PITIA > min required of $0.00.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 804 mid score > min required of 620<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 57%; guidelines allow 80+%.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 35 years.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 9.73% |
| &nbsp;&nbsp;&nbsp;86 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score is<br>>2.5 or is not<br>available.<br>Clayton to<br>order desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $571,560.77 / 107.19 months PITIA > min required of $0.00.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 804 mid score > min required of 620<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 57%; guidelines allow 80+%.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 35 years.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 9.73% |
| &nbsp;&nbsp;&nbsp;686 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO. | 4.1.2026<br>BPO<br>received<br>value<br>supported. | 4.1.2026<br>Exception<br>Satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 764 score exceeds 620 minimum.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves of $178,578.12 exceed required of $63,353.40.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 69.70% LTV is below 75% maximum. |
| &nbsp;&nbsp;&nbsp;902 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A B | Compliance | Federal<br>Consumer<br>Protection | Active B | CMPFDCP4569 | NMLS<br>License<br>verification<br>found Loan<br>Originator<br>Name does<br>not match<br>ID but can<br>identify<br>that the LO<br>is the same | No | Can tie name<br>to NMLS ID | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $37,994.40 or 15.8 months of PITI Required PITI Reserves are $24041.78 x 6 months = $15,109.80<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower using only 9% of available |
| &nbsp;&nbsp;&nbsp;902 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A B | Credit | Application | Active C | CRDAPP2412 | Potential<br>straw-buyer | Yes | Delayed<br>financing<br>transaction:<br>Subject<br>property<br>purchased<br>XXXXXX for<br>cash by<br>XXXXXX. No<br>documentation<br>verifying<br>borrower is<br>100% owner<br>of LLC. Final<br>closing<br>statement does<br>not reflect any<br>seller/buyer<br>agents but has<br>a $6500 dollar<br>assignment<br>fee. Unable to<br>verify sale was<br>Arms Length<br>Transaction.<br>Borrower has<br>6.5 months<br>total<br>employment<br>history. 4 of 12<br>tradelines are<br>authorized user<br>accounts.<br>Borrower has<br>no current<br>housing<br>expense and<br>subject is an<br>investment that<br>is currently<br>vacant.<br>Documentation<br>in file supports<br>a different<br>residence<br>address<br>(XXXXXX).<br>Subject<br>property<br>immediately<br>listed for sale<br>XXXXXX<br>after<br>XXXXXX<br>purchase.<br>Listing<br>withdrawn<br>XXXXXX<br>after 3 price<br>decreases.<br>LOE for<br>immediate post<br>closing sale<br>and withdraw<br>not provided. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $37,994.40 or 15.8 months of PITI Required PITI Reserves are $24041.78 x 6 months = $15,109.80<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower using only 9% of available |
| &nbsp;&nbsp;&nbsp;446 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $383,247.17 (69.29 months PITIA reserves) > min required reserves of $33,186.12 |
| &nbsp;&nbsp;&nbsp;55 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 773 score<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $1,583,739.78 (445.56 months PITIA reserves) > min required of $151,200.92 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender ATR/QM<br>Status** | **Loan<br>Level ATR/QM<br>Status** | **Condition<br>Category** | **ConditionSub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;444 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers credit score of 758 exceeds the min requirement of 620.<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have lived in current residence for 8 years.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrowers LTV is at 70% which is less than the max allowed of 85%.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $89,156.19 or 36.21 months of PITI. Required reserves are $13,461.70. |
| &nbsp;&nbsp;&nbsp;744 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU returned<br>no score.<br>Clayton to<br>order Desk<br>Review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 802 / 805 exceeds minimum of 620<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with employer > 18 years<br> CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #61 months, |
| &nbsp;&nbsp;&nbsp;675 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation,<br>CDA<br>required. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been in same profession for 10+ years.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 26.77% is below guideline maximum 45%.<br> CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 219 months; credit reflects oldest tradeline 9/26/2007.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 0.00%<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 mortgage payment history since 8/19/2016.<br> CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 796 credit score > min required FICO of 620<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time, over 10 years at present job |
| &nbsp;&nbsp;&nbsp;668 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA<br>returned no<br>score.<br>Clayton to<br>order Desk<br>Review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 85.00%/maximum 90%<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 47.58%/maximum 50%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 754/minimum 620 |
| &nbsp;&nbsp;&nbsp;682 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO | 4/7/2026:<br>Received<br>BPO<br>supporting<br>value. | 4/7/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $117,225.83 or 39 months of PITI.<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 11+ years at current residence<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 72% LTV below guideline max 75%<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 12.07/36.28 DTI below guideline max 45%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO 804 exceeds product minimum 620<br> CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Rental income from subject and REOs not used in qualifying |
| &nbsp;&nbsp;&nbsp;610 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A C | Credit | Income/<br>Employment | Satisfied C A | CRDINC2488 | Verbal<br>verification<br>of<br>employment<br>missing | No | Missing<br>VOE within<br>10 days of<br>closing for<br>borrower's<br>employment<br>with<br>XXXXXX. | 4/8/2026:<br>Received<br>1/30/2026<br>paystub<br>meeting 10<br>day PCV<br>requirement. | 4/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrower's DTI 33.15% is below guideline maximum 45%.<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: 9 years at primary residence<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 760 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;610 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score<br>is >2.5.<br>Clayton to<br>order desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrower's DTI 33.15% is below guideline maximum 45%.<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: 9 years at primary residence<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 760 mid score > min required of 620 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender ATR/QM<br>Status** | **Loan<br>Level ATR/QM<br>Status** | **Condition<br>Category** | **ConditionSub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;942 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A C | Credit | Credit/<br>Mtg<br>History | Satisfied C A | CRDCRMH1805 | Debts/<br>obligations<br>not<br>disclosed/<br>accounted<br>for at<br>origination | No | Missing<br>Evidence<br>$138,277 was<br>paid, or<br>payment plan<br>in place, to<br>IRS for 2024<br>taxes. | 4/10/2026:<br>Received<br>proof IRS<br>taxes were<br>paid in<br>full<br>4/15/2025<br>when<br>filed. | 4/10/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; guidelines allow 85%.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: 20+ years at present job<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $433, 8903.65> min required of $32,221.38.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 819 mid score > min required of 620<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 1.82%<br> CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 149 months.<br> CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have24+ months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;942 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation.<br>LCA score not<br>available.<br>Clayton to<br>order desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; guidelines allow 85%.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: 20+ years at present job<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $433, 8903.65> min required of $32,221.38.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 819 mid score > min required of 620<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 1.82%<br> CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 149 months.<br> CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have24+ months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;160 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation. CU<br>score not<br>provided (due<br>to property<br>type). Clayton<br>to order desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 3.86%<br> CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 11 years.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 811 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;680 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $56,617.03 or 7.06 months PITI meeting DU reserve requirement of $48,993.70.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 9.25 years<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 22.94% DTI; Max DTI is 45% |
| &nbsp;&nbsp;&nbsp;324 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $70,483.88 > required $17,191.74<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 29.46% is below guideline maximum 45%.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ .7%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 806 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;353 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>approved PIW.<br>Clayton to<br>order BPO. | 4/7/2026:<br>received<br>BPO<br>supporting<br>value. | 4/7/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 768 rep score; minimum 620<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 41.5% DTI/ Max is 50% |
| &nbsp;&nbsp;&nbsp;353 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved PIW.<br>Clayton to<br>order BPO. | 4/7/2026:<br>received<br>BPO<br>supporting<br>value. | 4/7/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 768 rep score; minimum 620<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 41.5% DTI/ Max is 50% |
| &nbsp;&nbsp;&nbsp;1030 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3640 | TRID -<br>CD: Zero<br>tolerance<br>fee or fees<br>increased<br>at or prior<br>to closing<br>without a<br>valid<br>reason or<br>the revised<br>LE/CD<br>was not<br>timely<br>disclosed;<br>insufficient<br>credit or<br>refund<br>provided | No | Zero percent<br>tolerance fail<br>of $100.00.<br>Due to<br>Appraisal fee<br>increased on<br>LE issued<br>XXXXXX<br>with no/invalid<br>internal COC<br>in file. Provide<br>Internal COC<br>reflecting valid<br>reason for the<br>fee changes<br>within 3<br>business days<br>of change or<br>PCCD with<br>cure, copy of<br>cure check,<br>LOE to<br>Borrower and<br>Evidence of<br>delivery via<br>shipping<br>method<br>including<br>tracking,<br>within 60 days<br>of<br>consummation. | 4.9.2026 -<br>COC<br>provided | 4.9.2026 -<br>Exception<br>satisfied | Numeric | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 5X30,10X60, 0X90, in #403 months. Isolated Late payments dated 2019 > 24 months<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 705 exceeds minimum of 620<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with employer > 10.7 Years |
| &nbsp;&nbsp;&nbsp;154 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 755 is greater than guideline minimum 620. CFCFS2854: Significant time in profession - Clayton Comments: The co-borrower has been in on his current job over 30 years, which is significantly longer than the typical employment duration. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrowers have $157,655.13 or 48.42 months of PITIA which exceeds 12 months PITIA guidelines. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: The borrower has 0x30x14 mortgage history which exceed the minimum guideline of 12 months. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender ATR/QM<br>Status** | **Loan<br>Level ATR/QM<br>Status** | **Condition<br>Category** | **ConditionSub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;746 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score<br>not<br>available<br>on file.<br>Clayton to<br>order desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI 0f 39% is below guideline of 45%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 685 > minimum required of 620 <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines at 3.77% |
| &nbsp;&nbsp;&nbsp;163 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA<br>provides<br>no score.<br>Clayton to<br>order desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines at 1.34% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score 802 exceeds 620 minimum required. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI of 31.77% is below guideline requirement of 45%. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Cash reserves of $73,279.82 exceed LP required of $10,243.86. |
| &nbsp;&nbsp;&nbsp;163 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D B A | Property<br>Valuations | FEMA | Waived B | PRVAFEMA856 | Natural<br>Disaster<br>Area, no<br>subsequent<br>inspection<br>(Public) | No | FEMA<br>Declaration<br>date<br>XXXXXX<br>and AUS<br>approval<br>XXXXXX.<br>PDI to be<br>ordered by<br>Clayton. | 3/25/2026:<br>Client<br>acknowledges<br>Level 2<br>exception. | 3/25/2026:<br>Waived<br>non-material. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines at 1.34% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score 802 exceeds 620 minimum required. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI of 31.77% is below guideline requirement of 45%. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Cash reserves of $73,279.82 exceed LP required of $10,243.86. |
| &nbsp;&nbsp;&nbsp;669 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: Borrowers have51 months mortgage payment history 0x30. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 783 mid score > min required of 620 <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 63%; guidelines allow 75%. |
| &nbsp;&nbsp;&nbsp;38 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: Verified 0x30 mortgage lates in the past 12 months. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Verified credit score 732 exceeds guideline minimum of 620 <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Verified DTI is 43.22 below guideline maximum of 45% or approved by AUS |
| &nbsp;&nbsp;&nbsp;795 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Compliance | Compliance<br>Manual | Satisfied D A | CMPMAN2956 | Missing<br>disclosure | No | Missing<br>page 2 of<br>Final CD<br>XXXXXX | 4.8.2026 - All<br>pages to CD<br>provided | 4.8.2026 -<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 27.85% is below guideline maximum 50%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 746 mid score > min required of 620 <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 12.27% <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has significant time at current job of 10 years. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender ATR/QM<br>Status** | **Loan<br>Level ATR/<br>QM Status** | **Condition<br>Category** | **ConditionSub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;795 | XXXXXX | XXXXXX | XXXXXX | QM: Safe<br>Harbor<br>(APOR) | QM: Safe<br>Harbor<br>(APOR) D B C A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Affiliate<br>Business<br>Disclosure<br>missing | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 27.85% is below guideline maximum 50%.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 746 mid score > min required of 620<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 12.27%<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 10 years. |
| &nbsp;&nbsp;&nbsp;795 | XXXXXX | XXXXXX | XXXXXX | QM: Safe<br>Harbor<br>(APOR) | QM: Safe<br>Harbor<br>(APOR) D B C A | Credit | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CRDATRQM3124 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; Lender<br>did not<br>provide an<br>ATR/QM<br>status<br>determination. | No | Provide<br>lender QM<br>determination. | 4/14/2026:<br>Received Safe<br>Harbor<br>determination. | 4/14/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 27.85% is below guideline maximum 50%.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 746 mid score > min required of 620<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 12.27%<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 10 years. |
| &nbsp;&nbsp;&nbsp;795 | XXXXXX | XXXXXX | XXXXXX | QM: Safe<br>Harbor<br>(APOR) | QM: Safe<br>Harbor<br>(APOR) D B C A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation,<br>CDA<br>required. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 27.85% is below guideline maximum 50%.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 746 mid score > min required of 620<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 12.27%<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 10 years. |
| &nbsp;&nbsp;&nbsp;886 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Rebuttable<br>Presumption<br>(APOR) | QM:<br>Rebuttable<br>Presumption<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score is<br>>2.5. Clayton<br>to order desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 781 median FICO. minimum required 620.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified 38.87% DTI. Max allowed 45%. |
| &nbsp;&nbsp;&nbsp;661 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 22 years.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified $131,333.58 in post close reserves or 35.08 months PITIA. $30,985.76 required reserves.<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current home for more than 9 years. |
| &nbsp;&nbsp;&nbsp;674 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $1,502,239.32or 718.45 months PITI.Required Reserves are $36,055.14.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 12 years<br> CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x62 mortgage payment history |
| &nbsp;&nbsp;&nbsp;747 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score is<br>>2.5. Clayton<br>to order desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: Post closing reserves are $53,669.02, Guidelines require $16,532.82<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 704 exceeds guideline requirements of 680 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender ATR/QM<br>Status** | **Loan<br>Level ATR/QM<br>Status** | **Condition<br>Category** | **ConditionSub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition Material<br>Indicator** | **Initial<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;330 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 234 months.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $154,506.84> min required of $105,146.54.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 37% is below guideline maximum 45%.<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8+ years at current residence<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 2.62%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 807 mid score > min required of 620<br> CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have61 months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;440 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | Compliance<br>Manual | Active B | CMPMAN4639 | Missing<br>GFE | No | Disclosure<br>tracking<br>indicates<br>two<br>revised LE<br>were sent<br>XXXXXX<br>and<br>XXXXXX,<br>please<br>provide<br>Loan<br>Estimates (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrower has a DTI of 4.20, below maximum of 45%<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $80,167.39 in reserves. Required reserves per AUS are $14,420.29.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid credit score of 763, with no derogatory credit events showing, minimum required 620. |
| &nbsp;&nbsp;&nbsp;1012 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets: $472158.40 reserves required per AUS: $14074.68<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified DTI 22.28 exceeds guideline maximum of 45%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score of 808 exceeds guideline minimum of 620 |
| &nbsp;&nbsp;&nbsp;428 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 763 mid score > min required of 620<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been with the same employer for 5 years<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $348,490.52 / 76.94 months PITI > min required of $29,999.52 |
| &nbsp;&nbsp;&nbsp;920 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been at their current job over 15 years<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 67.55%. Max 85%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 813. Minimum score required 620 |
| &nbsp;&nbsp;&nbsp;663 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 15 + years.<br> CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 204 months.<br> CFCFS2860: Good credit history<br> - Clayton Comments: 771 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;992 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $43,126.40 > min required of $21,938.70<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 0.0%<br> CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have28 months mortgage payment history 0x30.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; guidelines allow 85%.<br> CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 191 months.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 20 years.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 792 mid score > min required of 620 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender ATR/QM<br>Status** | **Loan<br>Level ATR/QM<br>Status** | **Condition<br>Category** | **ConditionSub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;521 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 67 months with 0x30 Mortgage payment history exceeds guidelines of 24 months.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have 52 months PITIA in reserves.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 788 Median FICO >168 points above guideline program minimum of 620. |
| &nbsp;&nbsp;&nbsp;677 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #286 months,<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been self employed > 11 Years<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 792 exceeds minimum of 620 |
| &nbsp;&nbsp;&nbsp;787 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA -<br>Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the<br>loan file is<br>missing<br>documents<br>to complete<br>the ATR/<br>QM review<br>and render<br>an accurate<br>ATR/QM<br>status. | No | Missing<br>evidence<br>of Primary<br>Residence<br>new PITIA<br>with<br>XXXXXX. | 4/8/2026:<br>received<br>Final CD<br>with PITI<br>and<br>verification<br>no HOA. | 4/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has maintained current job for 253 months.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $662,228.33/330.49 PITIA which is > guideline minimum.<br> CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 204 months.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 803 is 183 points above minimum program requirement of 620. |
| &nbsp;&nbsp;&nbsp;787 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification<br>of some or<br>all<br>components<br>of non-<br>subject<br>PITI | No | Missing<br>evidence<br>of Primary<br>Residence<br>new PITIA<br>with<br>XXXXXX. | 4/8/2026:<br>received<br>Final CD<br>with PITI<br>and<br>verification<br>no HOA. | 4/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has maintained current job for 253 months.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $662,228.33/330.49 PITIA which is > guideline minimum.<br> CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 204 months.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 803 is 183 points above minimum program requirement of 620. |
| &nbsp;&nbsp;&nbsp;787 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score<br>is missing,<br>CU score<br>>2.5.<br>Clayton to<br>order desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has maintained current job for 253 months.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $662,228.33/330.49 PITIA which is > guideline minimum.<br> CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 204 months.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 803 is 183 points above minimum program requirement of 620. |
| &nbsp;&nbsp;&nbsp;619 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation.<br>LCA score<br>is >2.5.<br>Clayton to<br>order desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have45 months mortgage payment history 0x30.<br> CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Zero lates and zero derogatory accounts on credit report.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 793 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;903 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Missing<br>Affiliate<br>Business<br>Disclosure. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has been in the same profession for 14 years<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $85,697.98 or 18.68 months PITI reserves. Required reserves $9,175.92<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 702. Minimum score required 620<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 80%. Max 90% |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender ATR/QM<br>Status** | **Loan<br>Level ATR/QM<br>Status** | **Condition<br>Category** | **ConditionSub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;916 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | Assets | Satisfied C A | CRDAST3036 | Assets reflect<br>unsourced<br>deposits | No | Source large<br>deposit of<br>$130,000 to<br>XXXXXX

#XXXXXX<br>account with<br>DCU on<br>XXXXXX. | 4/7/2026:<br>Received<br>doc<br>showing<br>SOF. | 4/7/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV per review; 80% max LTV per guidelines.<br> CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 140 months of 0x30 consumer credit history per CBR.<br> CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 no derogatory marks<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 798 fico exceeds 620 minimum<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: 3 years 9 months current residence |
| &nbsp;&nbsp;&nbsp;916 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | Income/<br>Employment | Satisfied D A | CRDINC3204 | Income<br>Documentation<br>Missing | No | XXXXXX

#XXXXXX<br>statement<br>provided is<br>missing<br>pages 1-3<br>and 14-24 of<br>24. Provide<br>a full and<br>complete<br>statement<br>verifying<br>sufficient<br>continuance<br>of IRA<br>income<br>distributions. | 4/13/2026:<br>Received<br>all pages<br>of the<br>statement. | 4/13/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV per review; 80% max LTV per guidelines.<br> CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 140 months of 0x30 consumer credit history per CBR.<br> CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 no derogatory marks<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 798 fico exceeds 620 minimum<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: 3 years 9 months current residence |
| &nbsp;&nbsp;&nbsp;912 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 16 years and 1 months in current profession.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File 35.08%<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8 years and 0 months in current residence. |
| &nbsp;&nbsp;&nbsp;331 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $47,886.56 or 19 months PITI reserves. Required reserves $14,724.66<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 815. Minimum score required 620.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been at their current job over 8 years |
| &nbsp;&nbsp;&nbsp;908 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score<br>is >2.5.<br>Clayton to<br>order desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at their current residence over 27 years<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 786. Minimum required 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $2,227,027.01 or 1221 months PITI reserves. No reserves required |
| &nbsp;&nbsp;&nbsp;1000 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | Income/<br>Employment | Active D | CRDINC3204 | Income<br>Documentation<br>Missing | Yes | 2024 tax<br>transcripts<br>do not match<br>2024 1040<br>provided. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: No late payments report on credit report spanning back to January 2001.<br> CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Per XXXXXX 5306.1, B1 could have qualified with higher rental income to fully offset the PITIA of the subject property. Comp rent schedule shows $3900 rent/mo x .75: $2925 which exceeds PITIA of $2,639.83.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 802 exceeds minimum required 620. |
| &nbsp;&nbsp;&nbsp;166 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt C B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver (PIW)/<br>AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO. | 4/7/2026:<br>received<br>BPO<br>supporting<br>value. | 4/7/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 767 exceeds guidelines.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 44.64% is below maximum 50%<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 65.89% is below maximum allowed 75% |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender ATR/QM<br>Status** | **Loan<br>Level ATR/QM<br>Status** | **Condition<br>Category** | **ConditionSub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;895 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CMPATRQM2904 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; is not a<br>Qualified<br>Mortgage. | No | Provide<br>Lender QM<br>Determination. | 4/8/2026:<br>Received Safe<br>Harbor<br>determination. | 4/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has been in the same profession for 10 years<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 681. Minimum score required 620<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 75%. Max 90%.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing asset $105,654.17 or 60.61 months PITI reserves. No reserves required |
| &nbsp;&nbsp;&nbsp;85 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: B1 has additional documented income not used in qualifying from Bonus and 'Other' Income.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 17 years.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 4.42% |
| &nbsp;&nbsp;&nbsp;847 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: ASSETS: $503,480.65- $4,000 EMD - $260,032.49 funds to close = $239,448.16 reserves.$18,694.14 reserves required.<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: 13 years 6 months time at current residence.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 57.26% LTV with a 75% max allowed. |
| &nbsp;&nbsp;&nbsp;295 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score is<br>missing or<br>>2.5. Clayton<br>to order desk<br>review. | 4.3.26 Desk<br>review received<br>value supported. | 4.3.26 Exception<br>Satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 20 years.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 761 mid score > min required of 620<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with employer for 16 years.<br> CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has zero lates zero derogatory accounts. |
| &nbsp;&nbsp;&nbsp;673 | XXXXXX | XXXXXX | XXXXXX | ATR/<br>QM:<br>Exempt | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Active C | CMPATRQM2900 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule;<br>Clayton's<br>status<br>determination<br>places loan in<br>a riskier status<br>than the<br>Lender's<br>status<br>determination. | Yes | Received ATR<br>Exempt QM<br>determination.<br>Clayton<br>verifies Safe<br>Harbor.<br>Lender to<br>verify business<br>purpose or<br>other reason<br>for Exempt<br>status. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 19+ years at current job<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves $168173.27 exceed guideline 6 month requirement<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 7+ years at current primary residence<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico 803 exceeds guideline minimum 620<br> CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has 19+ years at current job<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 1.86%<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 21% DTI below guideline max 45% |
| &nbsp;&nbsp;&nbsp;673 | XXXXXX | XXXXXX | XXXXXX | ATR/<br>QM:<br>Exempt | QM:<br>Safe<br>Harbor<br>(APOR) C A | Credit | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CRDATRQM3124 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; Lender<br>did not<br>provide an<br>ATR/QM<br>status<br>determination. | No | Provide lender<br>QM<br>determination. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 19+ years at current job<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves $168173.27 exceed guideline 6 month requirement<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 7+ years at current primary residence<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico 803 exceeds guideline minimum 620<br> CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has 19+ years at current job<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 1.86%<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 21% DTI below guideline max 45% |
| &nbsp;&nbsp;&nbsp;673 | XXXXXX | XXXXXX | XXXXXX | ATR/<br>QM:<br>Exempt | QM:<br>Safe<br>Harbor<br>(APOR) C A | Credit | Application | Satisfied C A | CRDAPP131 | Occupancy<br>status not<br>supported by<br>file<br>documentation | No | Appraisal<br>marked owner<br>occupied for<br>investor<br>subject | 4/8/2026: Trailing<br>doc uploaded is<br>corrupt. Please re-<br>upload.4/15/2026:<br>Received revised<br>appraisal, tenant<br>occupied. | 4/8/2026:<br>Exception<br>remains.4/15/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 19+ years at current job<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves $168173.27 exceed guideline 6 month requirement<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 7+ years at current primary residence<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico 803 exceeds guideline minimum 620<br> CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has 19+ years at current job<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 1.86%<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 21% DTI below guideline max 45% |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender ATR/QM<br>Status** | **Loan<br>Level ATR/<br>QM Status** | **Condition<br>Category** | **ConditionSub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;611 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU Score 2.6.<br>Clayton to order<br>Desk Review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $377,600.98 or 100.28 PITIAReserves Required per AUS = $22,593.73<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 11 Years at Current Residence<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 24 Years in Current Profession |
| &nbsp;&nbsp;&nbsp;1061 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have resided in current owner occupied residence for 7 years and 2 months<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves of $79,654.73 exceed required of $18,848.10.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 22.61% is below Guidelines 45% maximum. |
| &nbsp;&nbsp;&nbsp;901 | XXXXXX | XXXXXX | XXXXXX | QM: Safe<br>Harbor<br>(APOR) | QM: Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score is<br>>2.5. Clayton to<br>order Desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 772 mid score > min required of 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $75,289.31 / 23.57 months PITI > min required of $41,872.96.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower 1 has been in same profession for 26 years.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B2 has 12 years at present job |
| &nbsp;&nbsp;&nbsp;276 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Rebuttable<br>Presumption | QM:<br>Rebuttable<br>Presumption<br>(APOR) C A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied A | CMPTRID5293 | TRID Not all<br>required<br>seller-paid<br>fees were<br>disclosed on<br>the CD | No | Seller fees listed<br>on Seller CD but<br>not Borrower<br>final CD. As the<br>fees are at least<br>reflected there is<br>no material<br>issue. This<br>exception is<br>informational<br>per Clayton<br>Compliance<br>department and<br>TRID 2.0<br>revisions.<br>Exception<br>satisfied. Final<br>Grade A. | (No Data) | (No Data) | Numeric | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have 46 months mortgage payment history 0x30.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 710 FICO score. Minimum required 620.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $69,518.43/14.46 months > reserverequirement $16,303.71. |
| &nbsp;&nbsp;&nbsp;276 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Rebuttable<br>Presumption | QM:<br>Rebuttable<br>Presumption<br>(APOR) C A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to<br>closing<br>without a<br>valid reason<br>or not timely<br>disclosed;<br>refund<br>required<br>within 60<br>days of<br>consummation | No | Zero Tolerance<br>Fee of $14.00<br>due to increase<br>in County Tax<br>Stamps to $841<br>on Final CD<br>XXXXXX.<br>Missing a valid<br>Change of<br>Circumstance<br>for each<br>increase, or Post<br>Close CD, LOX<br>and copy of<br>refund check to<br>borrower. | 4.8.2026 -<br>COC<br>provided | 4.8.2026 -<br>Exception<br>satisfied | (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have 46 months mortgage payment history 0x30.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 710 FICO score. Minimum required 620.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $69,518.43/14.46 months > reserverequirement $16,303.71. |
| &nbsp;&nbsp;&nbsp;1025 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score is ><br>2.5. Clayton to<br>order desk<br>review | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $163290.73 or 47.58 months of P&I<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 773 fico score exceeds guidelines 620<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 36% DTI max dti 50% |
| &nbsp;&nbsp;&nbsp;265 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM:<br>Exempt B A | Credit | DTI | Active B | CRDDTI106 | Debt Ratio<br>Exception<br>>5% and<br><10% | No | Lender verified<br>37% DTI.<br>Clayton verified<br>44.78% DTI.<br>Difference is<br>with verification<br>of XXXXXX<br>income. Clayton<br>verified<br>$4,715/month.<br>Lender shows<br>$6,937.31/month<br>net. DTI<br>difference<br>7.78%. Provide<br>updated AUS<br>with higher DTI,<br>streamlined<br>Accept. | (No Data) | (No Data) | (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @12.00%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 731 mid score > min required of 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $103,829.49 PITIA > min required of $17,133.54 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender ATR/QM<br>Status** | **Loan<br>Level ATR/QM<br>Status** | **Condition<br>Category** | **ConditionSub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;690 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score<br>>2.5.<br>Clayton to<br>order desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 726 mid score > min required of 620<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 17 years.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 37.77% is below guideline maximum 45%. |
| &nbsp;&nbsp;&nbsp;51 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 791 is 171 points above the 620 required.<br> CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has 12 years 7 months at current job.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI (Back) of 21.69% is 23.31% below the 45% allowed.<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 18 years 11 months at current residence. |
| &nbsp;&nbsp;&nbsp;14 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification<br>of some or all<br>components<br>of non-<br>subject PITI | No | REO<br>XXXXXX<br>mortgage<br>not<br>reporting on<br>credit and<br>verification<br>of payment<br>history not<br>provided to<br>meet<br>guideline.<br>Final 1003<br>shows a<br>new<br>XXXXXX<br>mortgage<br>lien. | 4/7/2026:<br>Received<br>docs<br>verifying<br>PITIA. | 4/7/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV below guideline maximum 85%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 736 FICO exceeds guideline minimum 620<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 9 years.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 4.82%<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $76,381.33 verified cash reserves exceed guidelines required $10,754.34<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 27.28 % DTI below guideline maximum 50% |
| &nbsp;&nbsp;&nbsp;162 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO. | 4/13/2026:<br>Received<br>BPO<br>supporting<br>value. | 4/13/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $261,690.20 or 111.52 months of P&I. No reserves required.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 775 fico score exceeds guidelines 620<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 27.24% dti and max dti 45% |
| &nbsp;&nbsp;&nbsp;162 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order BPO. | 4/13/2026:<br>Received<br>BPO<br>supporting<br>value. | 4/13/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $261,690.20 or 111.52 months of P&I. No reserves required.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 775 fico score exceeds guidelines 620<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 27.24% dti and max dti 45% |
| &nbsp;&nbsp;&nbsp;994 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | Assets | Satisfied D A | CRDAST2354 | Asset<br>Verification<br>In File is<br>Incomplete<br>Per<br>Requirements | No | Missing<br>verification<br>of<br>XXXXXX<br>withdrawal<br>for funds to<br>close. | 4/14/2026:<br>Received<br>wire<br>receipt and<br>proof<br>funds are<br>from<br>XXXXXX. | 4/14/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $62,248.94 (17.29 months PITIA reserves) > min required of $21,589.64<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 75% below guideline maximum 85%<br> CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Borrower 1 SSI can be grossed up 25% for additional income, not used in qualifying.<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 23+ years at current residence<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 779 Fico exceeds 620 minimum Fico |
| &nbsp;&nbsp;&nbsp;612 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt C A | Credit | Title | Satisfied C A | CRDTIL875 | Title Does<br>Not Agree<br>With<br>Mortgage | No | Title<br>commitment<br>dated<br>XXXXXX<br>reflects<br>Proposed<br>insured with<br>B1 & B2's<br>completed<br>middle<br>name and a<br>proposed<br>policy in the<br>amount of<br>$XXXXXX.<br>The Deed of<br>Trust has<br>borrower's<br>name<br>including<br>middle<br>initial for<br>both and a<br>loan amount<br>of<br>$XXXXXX. | 4/7/2026:<br>Received<br>Final title<br>matching<br>Mortgage. | 4/7/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is < the maximum LTV of 85%.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 789 is > the minimum credit score of 620.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $1,906.565.81 or 459.37 months; required reserves $24,902.38 per DU. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Loan<br>Level ATR/QM<br>Status** | **Condition<br>Category** | **ConditionSub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;856 | XXXXXX | XXXXXX | XXXXXX (No<br>Data) | ATR/<br>QM:<br>Exempt D B A | Credit | Credit/Mtg<br>History | Satisfied D A | CRDCRMH149 | Missing<br>support docs<br>for VOM/<br>VOR (e.g.<br>cancelled<br>checks) | No | Missing VOM<br>for mortgage<br>not reported on<br>the credit report<br>$XXXXXX<br>with a payment<br>of $4,010.07.<br>Per Final CD,<br>purchase<br>completed<br>XXXXXX with<br>interest paid<br>through<br>XXXXXX,<br>requiring 1st<br>payment<br>XXXXXX. | 4/8/2026:<br>Received VOM<br>from 11/6/2025<br>setup to<br>present. | 4/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has 15+ years in line of business.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $1,526,668.27 / 491.37 months PITIA > min required of $18,641.87.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 801 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;856 | XXXXXX | XXXXXX | XXXXXX (No<br>Data) | ATR/<br>QM:<br>Exempt D B A | Credit | DTI | Active B | CRDDTI105 | Debt Ratio<br>Exception 5%<br>or Less | No | DTI is 45.15%<br>and AUS<br>approved DTI<br>44.98%. The<br>increase is<br>within 3%<br>tolerance,<br>however when<br>the DTI<br>exceeds 45%<br>the loan must<br>be resubmitted<br>to AUS and<br>must<br>maintained<br>Approve/<br>Eligible.<br>Liabilities =<br>$14,210.77<br>income =<br>$31,474.98. Lot<br>21 annual taxes<br>= $1,248.72 vs<br>$624.36 used<br>by lender. OR<br>verify the taxes<br>on Final CD<br>include the<br>taxes for Lot<br>21. Cannot<br>locate separate<br>CD indicated<br>by title Co. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has 15+ years in line of business.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $1,526,668.27 / 491.37 months PITIA > min required of $18,641.87.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 801 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;281 | XXXXXX | XXXXXX | XXXXXX (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA shows no<br>score. Clayton<br>to order desk<br>review. | 4/07/2026:<br>CDA provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $62,353.31 / 24.74 months PITIA > min required of $21,110.98.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 12.90% |
| &nbsp;&nbsp;&nbsp;432 | XXXXXX | XXXXXX | XXXXXX (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | Application | Satisfied D A | CRDAPP3822 | Missing or<br>incomplete<br>documentation<br>related to<br>citizenship/<br>residency | No | Missing B1<br>Proof of Non<br>Permanent<br>Resident Alien<br>Documentation. | 4/6/2026:<br>Received<br>I797A, I797C<br>and EAD for<br>B2. Still need<br>same docs for<br>B1 for non-<br>Permanent<br>Resident Alien<br>status.4/9/2026:<br>Received<br>I797A and NC<br>DL for B1. | 4/6/2026:<br>Exception<br>remains.4/9/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 78.696% LTV for Subject Property is below guideline max LTV of 80%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 755 >135 points above guideline program minimum of 620.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $125,795.09 reserves exceeds LPA required reserves of $23,271.70. |
| &nbsp;&nbsp;&nbsp;432 | XXXXXX | XXXXXX | XXXXXX (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | Assets | Satisfied D A | CRDAST2670 | Asset<br>documentation<br>is insufficient<br>per guideline<br>requirements | No | Missing<br>XXXXXX by<br>XXXXXX<br>monthly<br>statement for<br>$XXXXXX | 4/9/2026:<br>Received<br>12/2025<br>statement. | 4/9/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 78.696% LTV for Subject Property is below guideline max LTV of 80%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 755 >135 points above guideline program minimum of 620.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $125,795.09 reserves exceeds LPA required reserves of $23,271.70. |
| &nbsp;&nbsp;&nbsp;432 | XXXXXX | XXXXXX | XXXXXX (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification of<br>some or all<br>components of<br>non-subject<br>PITI | No | Missing Proof<br>of PITI for<br>Borrowers<br>Primary at<br>XXXXXX with<br>monthly<br>payment of<br>$2368.47 and<br>Investment<br>Property -<br>XXXXXX with<br>monthly<br>payment of<br>$3004.61 has<br>not been<br>uploaded by the<br>Lender. | 4/9/2026:<br>Received PITI<br>info for both<br>REOs. | 4/9/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 78.696% LTV for Subject Property is below guideline max LTV of 80%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 755 >135 points above guideline program minimum of 620.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $125,795.09 reserves exceeds LPA required reserves of $23,271.70. |
| &nbsp;&nbsp;&nbsp;432 | XXXXXX | XXXXXX | XXXXXX (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | Income/<br>Employment | Satisfied D A | CRDINC2408 | Income<br>verification<br>does not meet<br>guidelines | No | Missing B1's<br>most recent W-<br>2 for<br>XXXXXX and<br>Missing all of<br>B-2's Self<br>Employment<br>Documentation<br>per LPA. | 4/6/2026:<br>Received 2025<br>year end<br>paystub,<br>allowed in lieu<br>of<br>W2.4/6/2026:<br>Received 2024<br>1040s,<br>Schedule C for<br>B2. | 4/6/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 78.696% LTV for Subject Property is below guideline max LTV of 80%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 755 >135 points above guideline program minimum of 620.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $125,795.09 reserves exceeds LPA required reserves of $23,271.70. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender ATR/QM<br>Status** | **Loan<br>Level ATR/QM<br>Status** | **Condition<br>Category** | **ConditionSub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition Material<br>Indicator** | **Initial Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;432 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA returned no<br>score. Clayton to<br>order Desk Review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 78.696% LTV for Subject Property is below guideline max LTV of 80%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 755 >135 points above guideline program minimum of 620.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $125,795.09 reserves exceeds LPA required reserves of $23,271.70. |
| &nbsp;&nbsp;&nbsp;984 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score is >2.5.<br>Clayton to order<br>desk review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Co-Borrower has been in same profession for 15+ years.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: 11.30% revolving credit utilization<br> CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 258 months.<br> CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has 15+ years at present job |
| &nbsp;&nbsp;&nbsp;667 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt B A | Credit | Assets | Active B | CRDAST2354 | Asset<br>Verification<br>In File is<br>Incomplete<br>Per<br>Requirements | No | XXXXXXstatement<br>dated 12-31-25 -<br>missing pages 4 and<br>6 (pages 4 and 6<br>provided are from<br>September 30,<br>2025). | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 32 years at primary residence.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 11+ years at present job.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 784 Credit score exceeds guidelines of 620. |
| &nbsp;&nbsp;&nbsp;169 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The Borrower has been with the same employer for over 19 years.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Minimum Score required is 620. The Borrower's Representative Score is 809. |
| &nbsp;&nbsp;&nbsp;858 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $1,246,017.92 verified reserves exceed guidelines required $5,242.98<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 34.48% DTI below product guideline 45%<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 23+ years at current residence<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 789 FICO > guideline minimum 620<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 53 months on time payments 0x30 |
| &nbsp;&nbsp;&nbsp;1006 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing updated<br>valuation, CDA<br>required. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 16.19% is below guideline maximum 45%.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been in same job for 10 years.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 10 years.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 796 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;1048 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Credit | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CRDATRQM3124 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; Lender<br>did not<br>provide an<br>ATR/QM<br>status<br>determination. | No | Provide lender QM<br>determination. | 4/7/2026:<br>Received Safe<br>Harbor<br>determination. | 4/7/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 800 FICO score. Minimum required 620.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 29.41% is below guideline maximum 45%.<br> CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 99 months.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for 34 years.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $71,202.02 (27.35 months PITIA reserves) > min required reserves of $0 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender ATR/QM<br>Status** | **Loan<br>Level ATR/QM<br>Status** | **Condition<br>Category** | **ConditionSub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;1041 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification<br>of some or<br>all<br>components<br>of non-<br>subject<br>PITI | No | Taxes and<br>insurance are<br>not<br>documented<br>for primary<br>residence at<br>XXXXXX.<br>Verification<br>of principle,<br>interest,<br>taxes,<br>insurance,<br>and any<br>homeowner's<br>association<br>dues are not<br>documented<br>for second<br>home<br>XXXXXX. | 4/6/2026:<br>Received<br>required<br>docs for<br>both<br>REOs. | 4/6/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 no derogatory marks<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 no mortgage lates<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 796 fico exceeds 620 minimum fico |
| &nbsp;&nbsp;&nbsp;1059 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score is<br>>2.5.<br>Clayton to<br>order desk<br>review | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified DTI 43 is below guideline maximum of 45%<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets: $46584.69 reserves required by AUS: $13705.44<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score 727 exceeds guideline minimum of 640 |
| &nbsp;&nbsp;&nbsp;88 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Credit | Insurance | Satisfied C A | CRDINSR289 | Insufficient<br>Hazard<br>Insurance<br>Coverage | No | Provide<br>proof of<br>insurance<br>with<br>adequate<br>coverage<br>amount. | 4/8/2026:<br>Received<br>HOI<br>showing<br>GRC. | 4/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 792 Credit Score exceeds guidelines minimum of 640<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV is below guideline requirements 85% LTV<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current business - 9 years |
| &nbsp;&nbsp;&nbsp;88 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation,<br>CDA<br>required. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 792 Credit Score exceeds guidelines minimum of 640<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV is below guideline requirements 85% LTV<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current business - 9 years |
| &nbsp;&nbsp;&nbsp;1074 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 19 months mortgage payment history 0x30.<br> CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 96 months.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 691 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;887 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA -<br>Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the<br>loan file is<br>missing<br>documents<br>to complete<br>the ATR/<br>QM review<br>and render<br>an accurate<br>ATR/QM<br>status. | No | Missing<br>verification<br>of no HOA<br>for both<br>primary and<br>additional<br>second home<br>as qualified<br>with. | 4/7/2026:<br>Received<br>HOA info<br>for both<br>REOs. | 4/7/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Primary borrower self employed greater than 5 years.<br> CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have no derogatory credit items. |
| &nbsp;&nbsp;&nbsp;887 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification<br>of some or<br>all<br>components<br>of non-<br>subject<br>PITI | No | Missing<br>verification<br>of no HOA<br>for both<br>primary and<br>additional<br>second home<br>as qualified<br>with. | 4/7/2026:<br>Received<br>HOA info<br>for both<br>REOs. | 4/7/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Primary borrower self employed greater than 5 years.<br> CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have no derogatory credit items. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender ATR/QM<br>Status** | **Loan<br>Level ATR/QM<br>Status** | **Condition<br>Category** | **ConditionSub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;887 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO. | 4/7/2026:<br>Received<br>BPO<br>supporting<br>value. | 4/7/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Primary borrower self employed greater than 5 years.<br> CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have no derogatory credit items. |
| &nbsp;&nbsp;&nbsp;887 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO. | 4/7/2026:<br>Received<br>BPO<br>supporting<br>value. | 4/7/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Primary borrower self employed greater than 5 years.<br> CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have no derogatory credit items. |
| &nbsp;&nbsp;&nbsp;1016 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation:<br>LCA (or<br>CU) score<br>is >2.5.<br>XXXXXX<br>- No Score.<br>Clayton to<br>order desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves of $47,320.20 exceed guideline requirement of $0<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% below maximum allowed 90% per guidelines<br> CFCFS2860: Good credit history<br> - Clayton Comments: Excellent credit history with no late pay/derog line items. 801 median credit score, oldest trade 1/1999, 3% credit usage<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 18.58yrs tenure with current employer<br> CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 129 consecutive months mortgage payment history exceeds 24 month guideline credit review |
| &nbsp;&nbsp;&nbsp;1086 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>No LCA<br>score<br>established.<br>Clayton to<br>order desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has reserves to cover 33 months of P&I<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 75% is below maximum required 97%<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 29.91% is below maximum required 50%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit 795 exceeds guidelines. |
| &nbsp;&nbsp;&nbsp;633 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score<br>is >2.5.<br>Clayton to<br>order desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same line of work for 6 years<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 14.53 months reserves exceeds LP requirement<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 795 score exceeds minimum required of 620 |
| &nbsp;&nbsp;&nbsp;120 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 725 exceeds program minimum of 620<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 41.67 is below the max DTI of 45%<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0 x 30 out of 52 months mortgage history on JPMCB Home loan. |
| &nbsp;&nbsp;&nbsp;613 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation,<br>CDA<br>required. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 744 exceeds min score requirement of 620.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $66,920.98 or 37.23 months of PITIA.<br> CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 57 months.<br> CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x79. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender ATR/QM<br>Status** | **Loan<br>Level ATR/QM<br>Status** | **Condition<br>Category** | **ConditionSub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;1040 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $850,646.87 or 339.33 months PITIA. Required reserves per LP approval $25,190.61.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 813 mid score > min required of 620<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 2.78% |
| &nbsp;&nbsp;&nbsp;352 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines, 10.73%<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 31.35% is below guideline maximum 45%.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 794 mid score > min required of 620<br> CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 160 months. |
| &nbsp;&nbsp;&nbsp;135 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same line of work for 9 years.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrower has significantly low debt ratio of 21.01<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 5 years 2 months. |
| &nbsp;&nbsp;&nbsp;576 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 790 mid score > min required of 620<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 12.83%<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have99+ months mortgage payment history 0x30.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 12+ years at present job |
| &nbsp;&nbsp;&nbsp;1032 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>CDA. CU<br>Score in<br>file 3.0,<br>guideline<br>requires 2.5<br>and below.<br>Need<br>Clayton to<br>order<br>deskreview. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers post close reserves are $119003.19 or 56 months LPA only required zero reserves per LPA in file.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 37.21% is below guideline maximum 50%.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 754 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;883 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 5.16%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 767 mid score > min required of 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $107,499 > Reserve requirement is $15,879.30<br> CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 71 months.<br> CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have42 months mortgage payment history 0x30.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 12+ years at present job<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 66.67%; guidelines allow 85%. |
| &nbsp;&nbsp;&nbsp;993 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 759 mid score exceeds min required of 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves of $77,875.92 exceed DU required of $20,002.38<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has 13 months current mortgage payment history with 0x30, 0x60,0x90. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender ATR/QM<br>Status** | **Loan<br>Level ATR/QM<br>Status** | **Condition<br>Category** | **ConditionSub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;999 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 14.84%<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 36.81% is below guideline maximum 45%.<br> CFCFS2860: Good credit history<br> - Clayton Comments: Borrower score is 785. Minimum score per program is 620.<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have54 months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;1056 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>LCA failed<br>to assess.<br>Clayton to<br>order desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV is 85%. Approved LTV is 68.96%.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 620. Approved FICO is 782.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 45%. Approved DTI is 30.00%. |
| &nbsp;&nbsp;&nbsp;227 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 807 mid score > min required of 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $223,591.94 > required $28,801.62<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 9.74% |
| &nbsp;&nbsp;&nbsp;1021 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Income/<br>Employment | Active D | CRDINC3204 | Income<br>Documentation<br>Missing | Yes | Significant<br>decline in<br>income from<br>2023 to<br>2024 was<br>not<br>addressed<br>and income<br>stability not<br>documented. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 15+ years at current business.<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: 28 years at primary residence.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 766 mid score > min required of 620. |
| &nbsp;&nbsp;&nbsp;1021 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Insurance | Satisfied D A | CRDINSR5081 | Insurance<br>Policy missing<br>required<br>endorsements | No | Missing<br>verification<br>of<br>borrower's<br>insurance<br>premium for<br>subject<br>property,<br>XXXXXX. | 4/8/2026:<br>Received<br>HOI for<br>subject. | 4/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 15+ years at current business.<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: 28 years at primary residence.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 766 mid score > min required of 620. |
| &nbsp;&nbsp;&nbsp;1021 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU Score ><br>than 2.5<br>Clayton to<br>order desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 15+ years at current business.<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: 28 years at primary residence.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 766 mid score > min required of 620. |
| &nbsp;&nbsp;&nbsp;743 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation.<br>LCA score<br>not provided<br>(due to<br>property<br>type).<br>Clayton to<br>order desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $118,966.39 or 29.33 months of PITI > min required reserves of $27,927.67<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 23.48% is below the guideline maximum of 45%.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for more than 20 years.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 801 mid score > min required of 620 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender ATR/QM<br>Status** | **Loan<br>Level ATR/QM<br>Status** | **Condition<br>Category** | **ConditionSub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;1063 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 741 is 120 points above program minimum requirement of 620.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves are $4,079,581.30 or 1597.84 months PITIA<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is below the maximum of 85% |
| &nbsp;&nbsp;&nbsp;1052 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 5.27%<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Guidelines require 58 months reserves. Borrower has 61.70 months of reserves.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 766 mid score > min required of 620.<br> CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 103 months of 0x30 consumer credit history per CBR. |
| &nbsp;&nbsp;&nbsp;386 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 66.67%; guidelines allow 75%.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: 10+ years at current profession for Co-Borrower; 13+ years at current job for Borrower.<br> CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 280 months.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 770 mid score > min required of 620<br> CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have57 months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;13 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Clayton to<br>order Desk<br>Review due to<br>LCA Score<br>exceeding<br>tolerance of<br>2.5. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The Max LTV is 80%. The LTV on this transaction is 63%.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Minimum Credit Score is 620. The Borrowers Representative Score is 792.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for 13 years. |
| &nbsp;&nbsp;&nbsp;1085 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3640 | TRID -<br>CD: Zero<br>tolerance<br>fee or fees<br>increased<br>at or prior<br>to closing<br>without a<br>valid<br>reason or<br>the revised<br>LE/CD<br>was not<br>timely<br>disclosed;<br>insufficient<br>credit or<br>refund<br>provided | No | Provide proof<br>of lock ext<br>XXXXXX<br>$1552.50 and<br>XXXXXX<br>$785.25.<br>Letter of<br>explanation,<br>corrected<br>Closing<br>Disclosure,<br>refund, proof<br>of delivery<br>within 60 days<br>of<br>consummation. | 4.8.2026 -<br>COCs<br>provided | 4.8.2026 -<br>Exception<br>satisfied | Numeric | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 25.03% is below guideline maximum 45%.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $80,060.29 post closing reserves, 16.20 months PITI for subject property. LP required $0.00 in reserves.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 751 mid score > min required of 620<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 20.99% |
| &nbsp;&nbsp;&nbsp;1039 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Property<br>Valuations | FEMA | Waived B | PRVAFEMA856 | Natural<br>Disaster<br>Area, no<br>subsequent<br>inspection<br>(Public) | No | Missing<br>inspection post<br>FEMA disaster<br>declared<br>XXXXXX for<br>XXXXXX | 3/25/2026:<br>Client<br>acknowledges<br>Level 2<br>Exception. | 3/25/2026:<br>Waived<br>non-<br>material. | (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $38,703.52 (19.32 months PITIA reserves) > min required reserves of $4,007.29<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 23.56, guideline is 45% |
| &nbsp;&nbsp;&nbsp;20 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>LCA score is<br>>2.5. Clayton<br>to order desk<br>review | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 33+years.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; guidelines allow 85%.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 15.44%<br> CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 728 mid score > min required of 620<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 33+ years at present job<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 30.53% is below guideline maximum 45%. |
| &nbsp;&nbsp;&nbsp;1045 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Credit | Credit/<br>Mtg<br>History | Satisfied C A | CRDCRMH1805 | Debts/<br>obligations<br>not<br>disclosed/<br>accounted<br>for at<br>origination | No | Missing<br>evidence of<br>property taxes<br>for XXXXXX. | 4/8/2026:<br>Received<br>verification<br>REO is a Co-<br>Op. Taxes are<br>included in<br>monthly<br>maint fee. | 4/8/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 10.94%<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 24 years in current profession.<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have57 months mortgage payment history 0x30.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $4,584,473.60/ 867.29 months PITIA > min required of $36,529.14.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 21+ years at present job<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 798 mid score > min required of 620 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender ATR/QM<br>Status** | **Loan<br>Level ATR/QM<br>Status** | **Condition<br>Category** | **ConditionSub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;1045 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU<br>returned<br>999 score.<br>Clayton to<br>order<br>Desk<br>Review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 10.94%<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 24 years in current profession.<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have57 months mortgage payment history 0x30.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $4,584,473.60/ 867.29 months PITIA > min required of $36,529.14.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 21+ years at present job<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 798 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;63 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA<br>score is<br>>2.5.<br>Clayton to<br>order desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 786 mid score > min required of 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $104,500.33 (25.40 months PITIA reserves) > min required of $24,681.78 |
| &nbsp;&nbsp;&nbsp;191 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D B A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification<br>of some or<br>all<br>components<br>of non-<br>subject<br>PITI | No | Missing<br>HOI<br>premium<br>for<br>Primary<br>residence<br>at<br>XXXXXX | 4/8/2026:<br>Received<br>HOI for<br>primary. | 4/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 819 exceeds minimum of 620<br> CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #233 months.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $14,336.14 Required Reserves are $13,406.63 |
| &nbsp;&nbsp;&nbsp;191 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO | 4/8/2026:<br>BPO<br>received<br>has the<br>incorrect<br>House with<br>number<br>XXXXXX.<br>Subject<br>address is<br>XXXXXX<br>4/17/2026:<br>Received<br>corrected<br>BPO. | 4/8/2026:<br>Exception<br>remains.4/17/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 819 exceeds minimum of 620<br> CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #233 months.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $14,336.14 Required Reserves are $13,406.63 |
| &nbsp;&nbsp;&nbsp;191 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO. | 4/8/2026:<br>BPO<br>received<br>has the<br>incorrect<br>House with<br>number<br>XXXXXX.<br>Subject<br>address is<br>XXXXXX<br>4/17/2026:<br>Received<br>corrected<br>BPO. | 4/8/2026:<br>Exception<br>remains.4/17/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 819 exceeds minimum of 620<br> CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #233 months.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $14,336.14 Required Reserves are $13,406.63 |
| &nbsp;&nbsp;&nbsp;182 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 755 Credit score exceeds minimum required of 620<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage Payment history 0 X 30 over 20 months<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Revolving Credit line use at 7%, 93% available<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 5 years<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Review DTI of 35.64% is below maximum allowed of 45% |
| &nbsp;&nbsp;&nbsp;39 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been with same employer for 26 years<br> CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has two properties owned F&C, 0x30 mortgage history.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 809 exceeds program minimum of 620 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender ATR/QM<br>Status** | **Loan<br>Level ATR/QM<br>Status** | **Condition<br>Category** | **ConditionSub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;66 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D B A | Credit | Application | Satisfied D A | CRDAPP3822 | Missing or<br>incomplete<br>documentation<br>related to<br>citizenship/<br>residency | No | Borrower is<br>permanent<br>resident alien.<br>Provide front<br>and back of<br>permanent<br>resident alien<br>ID card/green<br>card. | 4/8/2026:<br>Received<br>PRA Card<br>good thru<br>2035. | 4/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30x12 no mortgage lates<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 22.07% DTI is below program max of 45%.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 7 years with current employer<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: 6 years in current primary residence. |
| &nbsp;&nbsp;&nbsp;66 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D B A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification of<br>some or all<br>components of<br>non-subject<br>PITI | No | Document<br>HOA dues for<br>subject<br>property &<br>primary<br>residence.<br>Master policy<br>provided,<br>PIW<br>approved.<br>AUS<br>indicates<br>HOA dues of<br>$197 monthly<br>while no<br>HOA dues<br>documented<br>to confirm<br>obligation.<br>Primary<br>residence<br>appears to be<br>in the same<br>condominium. | 4/8/2026:<br>Received<br>HOA info<br>for both<br>REOs. | 4/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30x12 no mortgage lates<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 22.07% DTI is below program max of 45%.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 7 years with current employer<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: 6 years in current primary residence. |
| &nbsp;&nbsp;&nbsp;66 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO. | 4/8/2026:<br>Received<br>BPO<br>supporting<br>value. | 4/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30x12 no mortgage lates<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 22.07% DTI is below program max of 45%.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 7 years with current employer<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: 6 years in current primary residence. |
| &nbsp;&nbsp;&nbsp;66 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO. | 4/8/2026:<br>Received<br>BPO<br>supporting<br>value. | 4/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30x12 no mortgage lates<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 22.07% DTI is below program max of 45%.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 7 years with current employer<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: 6 years in current primary residence. |
| &nbsp;&nbsp;&nbsp;528 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 4.41%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 792 FICO score. Minimum required 620.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 20.40% is below guideline maximum 43%. |
| &nbsp;&nbsp;&nbsp;26 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA shows<br>No score.<br>Clayton to<br>order desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 11.57% is below guideline maximum 45%.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 7.40%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 781 mid score > min required of 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $162,305.14 / 49.80 months PITIA > min required per the LP approval $139,379.86. |
| &nbsp;&nbsp;&nbsp;358 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score not<br>provided.<br>Clayton to<br>order desk<br>review. | 4/6/2026:<br>Received<br>CDA not<br>supporting<br>value. | 4/6/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 728 mid score > min required of 620<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years at primary residence<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 25 years. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender ATR/QM<br>Status** | **Loan<br>Level ATR/QM<br>Status** | **Condition<br>Category** | **ConditionSub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;358 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A B | Property<br>Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property<br>Value Not<br>Supported | No | 4/6/2026:<br>Exception<br>added<br>after<br>review of<br>trailing<br>docs:<br>CDA<br>received<br>does not<br>support<br>value.<br>Clayton to<br>order next<br>level<br>review. | 4.14.26<br>Field<br>Review<br>received<br>value<br>supported. | 4.14.26<br>Exception<br>Satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 728 mid score > min required of 620<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years at primary residence<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 25 years. |
| &nbsp;&nbsp;&nbsp;27 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 818 exceeds guideline minimum of 620<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Verified LTV 72% is below guideline maximum of 90%<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified DTI 36.57 is below guideline maximum of 45% |
| &nbsp;&nbsp;&nbsp;84 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $74,363/ 20.02 months PITIA > min required of $22,291.26.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 26.22 % is below guideline maximum 45%.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 766 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;1080 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 776 mid score > min required of 620<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has99+ months mortgage payment history 0x30.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $148,525.67/92.16 months PITIA > min required of $11,531.69.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 15.17%<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 12 years at present job |
| &nbsp;&nbsp;&nbsp;621 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation,<br>CDA<br>required. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 13.99%<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $821662.21 / 108 months PITIA > min required of $75471.35<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 18+ years at present job<br> CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 60 months. |
| &nbsp;&nbsp;&nbsp;35 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: ASSETS: $329,070.02- $161,505.73 funds to close - $34,653.07 required reserves= $132,911.226 reserves.60% of retirement funds = $308,313 additional reserves.Total reserves = $441,224.22<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: B2 time in profession of 35 years.<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: 7 years 8 months time at current residence. |
| &nbsp;&nbsp;&nbsp;655 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | FACTS<br>Sheet<br>shows<br>affiliates.<br>Affiliate<br>Business<br>Disclosure<br>missing<br>from file. | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20 years at primary residence<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 793 mid score > min required of 620<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 50.68%; guidelines allow 75%. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender ATR/QM<br>Status** | **Loan<br>Level ATR/<br>QM Status** | **Condition<br>Category** | **ConditionSub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;96 | XXXXXX | XXXXXX | XXXXXX | QM: Safe<br>Harbor | QM: Safe<br>Harbor<br>(APOR) D C A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | LP<br>approved<br>with<br>PIW.<br>Clayton<br>to order<br>BPO. | 4/6/2026:<br>Received<br>BPO not<br>supporting<br>value | 4/6/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 28% is below guideline maximum 45%.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 3.03%<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 10+ years at present job<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 802 mid score > min required of 660. |
| &nbsp;&nbsp;&nbsp;96 | XXXXXX | XXXXXX | XXXXXX | QM: Safe<br>Harbor | QM: Safe<br>Harbor<br>(APOR) D C A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LP<br>approved<br>with<br>PIW.<br>Clayton<br>to order<br>BPO. | 4/6/2026:<br>Received<br>BPO not<br>supporting<br>value | 4/6/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 28% is below guideline maximum 45%.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 3.03%<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 10+ years at present job<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 802 mid score > min required of 660. |
| &nbsp;&nbsp;&nbsp;96 | XXXXXX | XXXXXX | XXXXXX | QM: Safe<br>Harbor | QM: Safe<br>Harbor<br>(APOR) D C A | Property<br>Valuations | Value | Active C | PRVAVALU5249 | Property<br>Value Not<br>Supported | Yes | 4/6/2026:<br>Exception<br>added<br>after<br>review of<br>trailing<br>docs.<br>BPO<br>received<br>did not<br>support<br>value.<br>Clayton<br>to order<br>next level<br>review. | 4.7.26<br>2055<br>received<br>value not<br>supported<br>variance -<br>10.63%.<br>Lender to<br>order full<br>appraisal. | 4.7.26<br>Exception<br>Remains. | Not<br>Applicable | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 28% is below guideline maximum 45%.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 3.03%<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 10+ years at present job<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 802 mid score > min required of 660. |
| &nbsp;&nbsp;&nbsp;107 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU<br>Score><br>2.5<br>Clayton<br>to order<br>desk<br>review | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been self-employed for 13 years 1 month<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post-Closing Assets: $308,426.87 - $31,234.09 required reserves= $277,192.78/$5,205.68 PITIA = 53.25 additional months reserves. |
| &nbsp;&nbsp;&nbsp;279 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Rebuttable<br>Presumption | QM:<br>Rebuttable<br>Presumption<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 812 mid score > min required of 620<br> CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has zero lates and zero derogatory accounts.<br> CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Bonus income from 2025 109,000.00 + 94,900.00 = 203,900 / 24 = $8,495.83 a month not used for qualifying income. |
| &nbsp;&nbsp;&nbsp;119 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM:<br>Exempt D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 4/7/2026:<br>Received<br>BPO<br>supporting<br>value. | 4/7/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 21 years at present job.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 774 mid score > min required of 620<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 10.03% |
| &nbsp;&nbsp;&nbsp;119 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM:<br>Exempt D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 4/7/2026:<br>Received<br>BPO<br>supporting<br>value. | 4/7/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 21 years at present job.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 774 mid score > min required of 620<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 10.03% |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Loan<br>Level ATR/QM<br>Status** | **Condition<br>Category** | **ConditionSub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;124 | XXXXXX | XXXXXX | XXXXXX (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA is<br>missing a<br>score.<br>Clayton to<br>order a<br>desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 39.53% is below maximum allowed of 45%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 740 Credit score exceeds minimum required of 620<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgages on Credit Report all have 0 X 30 payment histories<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: Primary Borrower has been in the same line of work for 13 years |
| &nbsp;&nbsp;&nbsp;396 | XXXXXX | XXXXXX | XXXXXX (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $634,334.97 / 439.86 months PITIA > min required of $11,693.71.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 803 mid score > min required of 660.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 6.52% |
| &nbsp;&nbsp;&nbsp;123 | XXXXXX | XXXXXX | XXXXXX (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 746 fico score exceeds guidelines 620<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 6 years at current job<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 29% DTI max DTI 45% |
| &nbsp;&nbsp;&nbsp;118 | XXXXXX | XXXXXX | XXXXXX (No<br>Data) | ATR/<br>QM:<br>Exempt B A | Property<br>Valuations | FEMA | Waived B | PRVAFEMA856 | Natural<br>Disaster<br>Area, no<br>subsequent<br>inspection<br>(Public) | No | FEMA<br>Declaration<br>for Severe<br>XXXXXX<br>XXXXXX<br>and<br>appraisal<br>date<br>XXXXXX. | 3/26/2026:<br>Client<br>acknowledges<br>Level 2<br>exception. | 3/26/2026:<br>Waived<br>non-<br>material. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has positive mortgage payment history reported on credit report 0X30/ 0X60/ 0X90.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has low credit utilization of 2.07%. |
| &nbsp;&nbsp;&nbsp;152 | XXXXXX | XXXXXX | XXXXXX (No<br>Data) | ATR/<br>QM:<br>Exempt B A | Property<br>Valuations | FEMA | Active B | PRVAFEMA856 | Natural<br>Disaster<br>Area, no<br>subsequent<br>inspection<br>(Public) | No | Missing<br>inspection<br>post<br>FEMA<br>disaster<br>declared<br>XXXXXX<br>for<br>XXXXXX.<br>Appraisal<br>completed<br>prior to<br>disaster on<br>XXXXXX | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have56 months mortgage payment history 0x30.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 781 mid score > min required of 620.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $17,059.99 or 9.07 months of PITIA > min required reserves of $11,279.58 |
| &nbsp;&nbsp;&nbsp;343 | XXXXXX | XXXXXX | XXXXXX (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification<br>of some or<br>all<br>components<br>of non-<br>subject<br>PITI | No | Missing<br>verification<br>of new mtg<br>PITI for<br>XXXXXX<br>to support<br>new<br>XXXXXX<br>payment of<br>$1,966.35<br>includes an<br>escrow<br>account for<br>taxes and<br>insurance.<br>Only rec'd<br>settlement<br>statement. | 4/8/2026:<br>Received<br>XXXXXX<br>Final CD<br>verifying<br>PITI. | 4/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 14+ years at current job<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: 15+ years at primary residence<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 780 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;343 | XXXXXX | XXXXXX | XXXXXX (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan<br>submitted<br>to LP, SSR<br>has no<br>value.<br>Clayton to<br>order desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 14+ years at current job<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: 15+ years at primary residence<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 780 mid score > min required of 620 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender ATR/QM<br>Status** | **Loan<br>Level ATR/QM<br>Status** | **Condition<br>Category** | **ConditionSub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;136 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation. CU<br>score is >2.5.<br>Clayton to<br>order desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $6246,537.51 or 70.29 months PITI reserves. Required reserves $21,045.16<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 814. Minimum required 620<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been self employed over 14 years |
| &nbsp;&nbsp;&nbsp;289 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied A | CMPTRID5293 | TRID Not<br>all<br>required<br>seller-<br>paid fees<br>were<br>disclosed<br>on the CD | No | Seller fees<br>listed on Seller<br>CD but not<br>Borrower final<br>CD. As the<br>fees are at least<br>reflected there<br>is no material<br>issue. This<br>exception is<br>informational<br>per Clayton<br>Compliance<br>department and<br>TRID 2.0<br>revisions.<br>Exception<br>satisfied. Final<br>Grade A. | (No Data) | (No Data) | Numeric | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: B2 has been in the same profession for 10 years<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $124,297.61 or 27.83 months PITI reserves. Required reserves $17,834.18<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 783. Minimum score 620. |
| &nbsp;&nbsp;&nbsp;234 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) C A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is PIW,<br>Clayton to<br>order BPO. | 4/16/2026:<br>Received<br>BPO not<br>supporting<br>value.<br>2055<br>ordered,<br>2055 not<br>supported. | 4/16/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: The Reserves Requirement is 2 Months PITIA or $10,922. The Borrower has documented 14 Months Reserves or $77,929.17.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Minimum Credit Score is 620. The Borrower's Representative Score is 800. |
| &nbsp;&nbsp;&nbsp;234 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) C A | Property<br>Valuations | Value | Active C | PRVAVALU5249 | Property<br>Value Not<br>Supported | Yes | 4/16/2026:BPO<br>received value<br>not supported,<br>2055 Ext Only<br>did not support<br>value. Lender<br>to order full<br>appraisal. | 2055 Ext<br>Only did<br>not<br>support<br>value.<br>Lender to<br>order full<br>appraisal. | Exception<br>Remains. | Not<br>Applicable | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: The Reserves Requirement is 2 Months PITIA or $10,922. The Borrower has documented 14 Months Reserves or $77,929.17.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Minimum Credit Score is 620. The Borrower's Representative Score is 800. |
| &nbsp;&nbsp;&nbsp;267 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO | 4.6.26<br>BPO<br>received<br>value<br>supported. | 4.6.26<br>Exception<br>Satisfied. | (No Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers are only using 5% revolving available credit lines<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrowers have been with main source of income over 20 years<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets: $96,279.21 (37.42 months PITIA reserves) > min required reserves of $0<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0 x 30 mortgage history for past review history of 59 months |
| &nbsp;&nbsp;&nbsp;267 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved PIW.<br>Clayton to<br>order BPO. | 4.6.26<br>BPO<br>received<br>value<br>supported. | 4.6.26<br>Exception<br>Satisfied. | (No Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers are only using 5% revolving available credit lines<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrowers have been with main source of income over 20 years<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets: $96,279.21 (37.42 months PITIA reserves) > min required reserves of $0<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0 x 30 mortgage history for past review history of 59 months |
| &nbsp;&nbsp;&nbsp;418 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $29520.05 or 14.09 months PITIA > Required reserves are $17319.76<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 808 FICO exceeds guideline minimum 620<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have 41 months mortgage payment history 0x30. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender ATR/QM<br>Status** | **Loan<br>Level ATR/QM<br>Status** | **Condition<br>Category** | **ConditionSub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;291 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $76373.07 exceeds AUS requirement of $26640.88<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified Credit Score 800 exceeds minimum score of 620<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is below Guidelines 85% maximum. |
| &nbsp;&nbsp;&nbsp;258 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A C | Credit | Credit/<br>Mtg<br>History | Satisfied C A | CRDCRMH1805 | Debts/<br>obligations<br>not<br>disclosed/<br>accounted<br>for at<br>origination | No | Credit report<br>shows NR/<br>SMS/CAL<br>$XXXXXX<br>mortgage<br>$2507 per<br>month.<br>Missing<br>associated<br>property on<br>REO or proof<br>paid. | 4/21/2026:<br>Received<br>Final<br>ALTA<br>showing<br>REO sold<br>9/11/2025. | 4/21/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 37.18% DTI is below program max of 45%.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets of $58,300.99 exceed required reserves of $36,686.69<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 758 FICO exceeds program min of 620. |
| &nbsp;&nbsp;&nbsp;258 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Appraisal<br>form type not<br>evaluated for<br>CU score.<br>Clayton to<br>order<br>deskreview. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 37.18% DTI is below program max of 45%.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets of $58,300.99 exceed required reserves of $36,686.69<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 758 FICO exceeds program min of 620. |
| &nbsp;&nbsp;&nbsp;422 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 64.71%; guidelines allow 75%.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $880,762.14 or 322.21 months PITIA exceed required $16,285.58 per DU approval.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 806 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;620 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt C A | Credit | Credit/<br>Mtg<br>History | Satisfied C A | CRDCRMH1805 | Debts/<br>obligations<br>not<br>disclosed/<br>accounted<br>for at<br>origination | No | XXXXXX is<br>reflected on<br>2024 Schedule<br>E however not<br>on 1003, no<br>documentation<br>located to<br>confirm no<br>longer owned.<br>Unclear if this<br>is commercial<br>or residential<br>property. | 4/7/2026:<br>HUD1<br>dated<br>1/5/2024 -<br>sold. | 4/7/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 737 fico exceeds 620 minimum<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 no mortgage lates<br> CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 no derogatory marks |
| &nbsp;&nbsp;&nbsp;620 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt C A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>approved;<br>Clayton to<br>order BPO. | 4/6/2026:<br>Received<br>BPO not<br>supporting<br>value. | 4/6/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 737 fico exceeds 620 minimum<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 no mortgage lates<br> CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 no derogatory marks |
| &nbsp;&nbsp;&nbsp;620 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt C A | Property<br>Valuations | Value | Active C | PRVAVALU5249 | Property<br>Value Not<br>Supported | Yes | 4/6/2026:<br>Exception<br>added after<br>review of<br>trailing docs.<br>BPO received<br>did not<br>support value.<br>Clayton to<br>order next<br>level review. | 4.8.26<br>2055<br>received<br>value not<br>supported<br>variance -<br>19.84%.<br>Lender to<br>order full<br>appraisal. | 4.8.26<br>Exception<br>Remains. | Not<br>Applicable | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 737 fico exceeds 620 minimum<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 no mortgage lates<br> CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 no derogatory marks |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender ATR/QM<br>Status** | **Loan<br>Level ATR/QM<br>Status** | **Condition<br>Category** | **ConditionSub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;388 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Please<br>provide<br>missing<br>Affiliate<br>Business<br>Disclosure. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 32 months.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 33.47% is below guideline maximum 45%.<br> CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Borrower is receiving bonus income per the pay stubs in file, but not being used for qualifying. |
| &nbsp;&nbsp;&nbsp;388 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score is<br>>2.5. Clayton<br>to order desk<br>review needed | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 32 months.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 33.47% is below guideline maximum 45%.<br> CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Borrower is receiving bonus income per the pay stubs in file, but not being used for qualifying. |
| &nbsp;&nbsp;&nbsp;298 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 8.60%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score exceed guideline minimum 620<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 43.5 DTI below guideline maximum 50%, Per XXXXXX B3-6-02<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 16+ years at current primary residence<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $22559.55 verified reserves exceed guideline 6 months |
| &nbsp;&nbsp;&nbsp;245 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Affiliate<br>Business<br>Disclosure<br>missing. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 706 mid score > min required of 620<br> CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have43 months mortgage payment history 0x30.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified $43,804.79 in post closing reserves or 22.28 months PITI. Reserves required: $24,260.76 |
| &nbsp;&nbsp;&nbsp;245 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3676 | TRID - CD:<br>Ten percent<br>tolerance fee<br>or fees<br>increased at or<br>prior to closing<br>without a valid<br>reason or not<br>timely<br>disclosed;<br>refund<br>required within<br>60 days of<br>consummation. | No | Need<br>evidence of<br>change of<br>circumstances<br>letter for Ten<br>Percent<br>tolerance,<br>(Notary)<br>increase, or a<br>copy of a<br>refund check<br>in the amount<br>of $74. | 4.8.2026-<br>COC<br>provided | 4.8.2026 -<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 706 mid score > min required of 620<br> CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have43 months mortgage payment history 0x30.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified $43,804.79 in post closing reserves or 22.28 months PITI. Reserves required: $24,260.76 |
| &nbsp;&nbsp;&nbsp;491 | XXXXXX | XXXXXX | XXXXXX | ATR/<br>QM:<br>Exempt | ATR/<br>QM:<br>Exempt B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | The required<br>Affiliate<br>Business<br>Disclosure is<br>not provided<br>in the loan<br>file. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10+ years at primary residence<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 793 mid score > min required of 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $447,533.92 / 179.27 months PITIA > min required of $14,978.34.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 25.34% is below guideline maximum 45%.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 23 years. |
| &nbsp;&nbsp;&nbsp;233 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A | Credit | LTV/<br>CLTV | Active B | CRDLTV5736 | LTV Exceeds<br>Guideline<br>Requirement<br>by less than<br>5% | No | Property<br>purchased<br>XXXXXXX,<br>$XXXXXXX.<br>LTV 77.88%.<br>Lender LTV<br>based on<br>Appraised<br>Value<br>$XXXXXX at<br>70.21%. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history with no late pay/derog line items. 781 Median Credit Score, Oldest Trade 3/1993<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves of $73,488.23 exceed guideline requirement of $13,720.56<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 5.167yrs tenure with current self employed business |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender ATR/QM<br>Status** | **Loan<br>Level ATR/QM<br>Status** | **Condition<br>Category** | **ConditionSub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;233 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A | Credit | Title | Active C | CRDTIL875 | Title<br>Does Not<br>Agree<br>With<br>Mortgage | Yes | Title XXXXXX.<br>Loan deed/mtg<br>closedXXXXXX,<br>an unmarried<br>man, and<br>XXXXXX, an<br>unmarried<br>woman. Missing<br>QCD<br>documentation. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history with no late pay/derog line items. 781 Median Credit Score, Oldest Trade 3/1993<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves of $73,488.23 exceed guideline requirement of $13,720.56<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 5.167yrs tenure with current self employed business |
| &nbsp;&nbsp;&nbsp;233 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing Updated<br>Valuation: LCA<br>(or CU) score<br>was not provided.<br>Clayton to order<br>deskreview | 4/07/2026:<br>CDA provided<br>supports<br>appraised value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history with no late pay/derog line items. 781 Median Credit Score, Oldest Trade 3/1993<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves of $73,488.23 exceed guideline requirement of $13,720.56<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 5.167yrs tenure with current self employed business |
| &nbsp;&nbsp;&nbsp;283 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 793 exceeds required of 620.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit line usage ratio is very low at 4.43%<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $47,540.03 exceed LP required $13,300.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 77.43% is below guidelines 85% maximum. |
| &nbsp;&nbsp;&nbsp;272 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt C A | Credit | Assets | Satisfied C A | CRDAST115 | Cash<br>reserves<br>do not<br>meet<br>guidelines | No | DU AUS<br>reserves to be<br>validated<br>$33,152.66. Post<br>Close Assets are<br>$32,681.39.<br>EMD had not<br>cleared balances<br>of statements<br>provided. Two<br>BOA accounts<br>are registered as<br>Uniform Gifts to<br>Minors Act vs.<br>personal assets. | 4/8/2026:<br>Received a<br>Seller Cd dated<br>8/28/2024 for<br>another REO.<br>This does not<br>resolve<br>issue.4/16/2026:<br>received Final<br>HUD1 for<br>XXXXXX -<br>this is already in<br>the original<br>PDF and<br>included in<br>verified assets.<br>Clayton re-<br>reviewed assets<br>and verified<br>reserves<br>requirement is<br>met. | 4/8/2026:<br>Exception<br>remains.4/16/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 771 / 769 exceeds minimum of 620<br> CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #164 months. Credit ratio 25.91%<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrowers have owned / run business for > 13 years |
| &nbsp;&nbsp;&nbsp;296 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 6.53%<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 9+ years at present job<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 793 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;270 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 48 months.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 4.58%<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $97,385.72 (30.22 months PITIA reserves) > min required reserves of $19,332.96<br> CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers have124 months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;351 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 772 mid score > min required of 620<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have99 months mortgage payment history 0x30.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $48,422.98 or 22.10 months of P&I (or PITI if required). Per guidelines reserves required is $16,551.70. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender ATR/QM<br>Status** | **Loan<br>Level ATR/QM<br>Status** | **Condition<br>Category** | **ConditionSub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;290 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 10 years<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: Primary borrower has been in the same line of work for 22 years<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 774 Credit score exceeds minimum required of 620<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage Payment history 0 X 30 over 75 months |
| &nbsp;&nbsp;&nbsp;342 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | ATR/<br>QM:<br>Status<br>Pending D A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Active D | CMPATRQM3220 | TILA -<br>Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the<br>loan file is<br>missing<br>documents<br>to complete<br>the ATR/<br>QM review<br>and render<br>an accurate<br>ATR/QM<br>status. | Yes | 1. Missing a<br>mortgage<br>statement or<br>documentation<br>to support<br>$4111.00 PITI<br>for XXXXXX. Missing<br>borrower<br>letter of<br>explanation or<br>other<br>satisfactory<br>documentation<br>to support no<br>HOA expense<br>on XXXXXX<br>as qualified<br>with. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 765 exceeds min 620.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: 18 years in current profession.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves of $48,997.72 exceed required reserves $6,496.98. |
| &nbsp;&nbsp;&nbsp;342 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | ATR/<br>QM:<br>Status<br>Pending D A | Credit | DTI | Active D | CRDDTI2540 | Missing<br>verification<br>of some or<br>all<br>components<br>of non-<br>subject<br>PITI | Yes | 1. Missing a<br>mortgage<br>statement or<br>documentation<br>to support<br>$4111.00 PITI<br>for<br>XXXXXX.<br>Credit report<br>soes not verify<br>if escrows are<br>included.2.<br>Missing<br>borrower<br>letter of<br>explanation or<br>other<br>satisfactory<br>documentation<br>to support no<br>HOA expense<br>on XXXXXX<br>as qualified<br>with. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 765 exceeds min 620.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: 18 years in current profession.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves of $48,997.72 exceed required reserves $6,496.98. |
| &nbsp;&nbsp;&nbsp;767 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 16.95% is below maximum allowed 50%<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 64.94% is below the maximum allowed 85%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score exceeds guidelines. |
| &nbsp;&nbsp;&nbsp;737 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>LCA (or CU)<br>score is >2.5.<br>Clayton to<br>order<br>deskreview. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of Borrower`s DTI 22.22% is below guideline maximum of 50%<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines at 1.53%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score 787 > minimum required of 620 |
| &nbsp;&nbsp;&nbsp;261 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same line of work for 6 years<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 745 Credit score exceeds minimum required of 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves of $147,507.57 exceeds LP requirement of $140,016.18 |
| &nbsp;&nbsp;&nbsp;255 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 7+ years at present job<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 3.37%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 808 mid score > min required of 620 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender ATR/QM<br>Status** | **Loan<br>Level ATR/QM<br>Status** | **Condition<br>Category** | **ConditionSub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;300 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 771 fico score exceeds guidelines 620<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 33% DTI max DTI 45%<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $43937.33 or 12.82 months of P&I |
| &nbsp;&nbsp;&nbsp;421 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have lived at their current residence over 12 years<br> CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B2 has been at their current job over 22 years<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 748. Minimum score required 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $399,495.23 or 65.02 months PITI reserves. Required reserves $41,307.61 |
| &nbsp;&nbsp;&nbsp;264 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 13 years in profession<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 811 is above guideline minimum of 620.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are$133,925.33 or 57 months PITI. Required Reserves are $18,657.82 |
| &nbsp;&nbsp;&nbsp;315 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO | 4/7/2026:<br>received<br>BPO<br>supporting<br>value. | 4/7/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Consumer debt monthly $99.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 215 mo's subject PITI reserves.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 800 FICO score. Minimum required 620.<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at primary residence for over 23 years. |
| &nbsp;&nbsp;&nbsp;315 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order BPO. | 4/7/2026:<br>received<br>BPO<br>supporting<br>value. | 4/7/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Consumer debt monthly $99.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 215 mo's subject PITI reserves.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 800 FICO score. Minimum required 620.<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at primary residence for over 23 years. |
| &nbsp;&nbsp;&nbsp;417 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | RESPA | Active B | CMPRESPA2700 | RESPA -<br>List of<br>homeowners<br>counseling<br>organizations<br>not provided<br>w/in 3 days<br>of<br>application | No | List of<br>homeowners<br>counseling<br>organizations<br>dated<br>XXXXXXX<br>not provided<br>w/in 3 days<br>of<br>application<br>date of<br>XXXXXXX. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $10,230.90 or 5.34 months PITI reserves. Required reserves $4,025.22 per month<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 75%. Max 90%<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at their current residence over 10 years |
| &nbsp;&nbsp;&nbsp;417 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3552 | TRID - Loan<br>Estimate not<br>timely | No | Loan<br>Estimate<br>issued<br>1/15/26 was<br>not issued<br>within 3<br>days of<br>application<br>date 1/8/26. | 4.8.2026 -<br>Initial LE<br>1.9.2026<br>received | 4.8.2026<br>-<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $10,230.90 or 5.34 months PITI reserves. Required reserves $4,025.22 per month<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 75%. Max 90%<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at their current residence over 10 years |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender ATR/QM<br>Status** | **Loan<br>Level ATR/QM<br>Status** | **Condition<br>Category** | **ConditionSub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;417 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Credit | Assets | Satisfied D A | CRDAST2670 | Asset<br>documentation<br>is insufficient<br>per guideline<br>requirements | No | Missing a<br>full 2months<br>bank<br>statements<br>from<br>XXXXXX

#XXXXXX.<br>Missing<br>12/20-1/21<br>as required<br>per DU<br>findings | 4/8/2026:<br>Received<br>2 mo bk<br>stmnts. | 4/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $10,230.90 or 5.34 months PITI reserves. Required reserves $4,025.22 per month<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 75%. Max 90%<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at their current residence over 10 years |
| &nbsp;&nbsp;&nbsp;417 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO | 4/8/2026:<br>Received<br>BPO<br>supporting<br>value. | 4/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $10,230.90 or 5.34 months PITI reserves. Required reserves $4,025.22 per month<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 75%. Max 90%<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at their current residence over 10 years |
| &nbsp;&nbsp;&nbsp;482 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: 0 x 30 on 44 months mortgage history.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score of 787 exceeds program minimum of 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 70 month of PITI in reserves post closing. |
| &nbsp;&nbsp;&nbsp;364 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit 757 Guidelines allow 620<br> CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > 24 Months<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $44,132.29 or 15.02 PITIAReserves Required per AUS = $17,062.38 |
| &nbsp;&nbsp;&nbsp;483 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU is >2.5,<br>Clayton to<br>order desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: B2 in profession for over 25 years.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $289,852.75 or 144.66 months PITI.Required reserves are $12,022.07 per DU.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 18.15% is below guideline maximum of 45%. |
| &nbsp;&nbsp;&nbsp;256 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Primary borrower Sch C income as a realtor not used.<br> CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower on current job more than 20 years.<br> CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers credit reflect on time payments even with multiple investment properties. |
| &nbsp;&nbsp;&nbsp;287 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the loan<br>file is missing<br>documents to<br>complete the<br>ATR/QM<br>review and<br>render an<br>accurate ATR/<br>QM status. | No | ATR/QM<br>pending. | 4/6/2026:<br>Received<br>docs to<br>show<br>XXXXXX<br>is not<br>owned by<br>borrowers.<br>Only 10<br>REOs<br>owned | 4/6/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 762 mid score > min required of 620<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 23.48%<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have 53 months mortgage payment history 0x30.<br> CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 25+ years at present job<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: 25 years at primary residence. Added in error, please cancel<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $1,082,559.93 / 531.57 months PITIA > min required of $118,383.26. |

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| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender ATR/QM<br>Status** | **Loan<br>Level ATR/QM<br>Status** | **Condition<br>Category** | **ConditionSub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;287 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Credit | Credit/<br>Mtg<br>History | Satisfied C A | CRDCRMH1805 | Debts/<br>obligations<br>not<br>disclosed/<br>accounted<br>for at<br>origination | No | Missing<br>evidence of<br>disposal of<br>XXXXXX as<br>shown on<br>schedule E of<br>1040.<br>Received<br>documentation<br>showing<br>borrower no<br>longer owns<br>XXXXXX.<br>Using<br>obligation<br>from tax<br>return of<br>approximately<br>$1018 (8488 +<br>506 + 3223 =<br>12214 / 12 =<br>$1018) puts<br>DTI over 50% | 4/6/2026:<br>Received<br>docs to<br>show<br>XXXXXX<br>is not<br>owned by<br>borrowers.<br>Only 10<br>REOs<br>owned | 4/6/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 762 mid score > min required of 620<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 23.48%<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have 53 months mortgage payment history 0x30.<br> CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 25+ years at present job<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: 25 years at primary residence. Added in error, please cancel<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $1,082,559.93 / 531.57 months PITIA > min required of $118,383.26. |
| &nbsp;&nbsp;&nbsp;287 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Credit | Credit/<br>Mtg<br>History | Satisfied C A | CRDCRMH2662 | Number of<br>mortgaged<br>properties<br>exceeds<br>guideline<br>limit | No | Borrower has<br>11 mortgaged<br>properties<br>including the<br>subject<br>property. The<br>guidelines<br>allow<br>maximum of<br>10 mortgaged<br>properties. | 4/6/2026:<br>Received<br>docs to<br>show<br>XXXXXX<br>is not<br>owned by<br>borrowers.<br>Only 10<br>REOs<br>owned | 4/6/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 762 mid score > min required of 620<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 23.48%<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have 53 months mortgage payment history 0x30.<br> CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 25+ years at present job<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: 25 years at primary residence. Added in error, please cancel<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $1,082,559.93 / 531.57 months PITIA > min required of $118,383.26. |
| &nbsp;&nbsp;&nbsp;287 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Property<br>Valuations | Appraisal | Satisfied C A | PRVAAPPR2502 | Appraiser is<br>currently on<br>an<br>exclusionary<br>list | No | Appraiser<br>XXXXXX<br>with license

#XXXXXX is<br>found on the<br>fraud report<br>watchlist. | 4/6/2026:<br>Received<br>verification,<br>appraiser is<br>not on<br>disciplinary<br>list. | 4/6/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 762 mid score > min required of 620<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 23.48%<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have 53 months mortgage payment history 0x30.<br> CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 25+ years at present job<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: 25 years at primary residence. Added in error, please cancel<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $1,082,559.93 / 531.57 months PITIA > min required of $118,383.26. |
| &nbsp;&nbsp;&nbsp;287 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA returned<br>3.5 score.<br>Clayton to<br>order Desk<br>Review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 762 mid score > min required of 620<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 23.48%<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have 53 months mortgage payment history 0x30.<br> CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 25+ years at present job<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: 25 years at primary residence. Added in error, please cancel<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $1,082,559.93 / 531.57 months PITIA > min required of $118,383.26. |
| &nbsp;&nbsp;&nbsp;420 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified credit reserves $11041.92 exceeds reserves required per AUS<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Verified 0x30 mortgage lates in the past 12 months<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified Credit Score 724 exceeds minimum credit score of 620 |
| &nbsp;&nbsp;&nbsp;497 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU 2.6 score<br>is >2.5.<br>Clayton to<br>order desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 238 months.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this line of work in the past: 7 years.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 752 exceeds min score requirement of 620. |
| &nbsp;&nbsp;&nbsp;485 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 804 mid score > min required of 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $25,107.86 / 8.33 months PITIA<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 16+ years at present job |

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| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender ATR/QM<br>Status** | **Loan<br>Level ATR/QM<br>Status** | **Condition<br>Category** | **ConditionSub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;554 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>LCA score<br>is not<br>reporting.<br>Clayton to<br>order desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 703 credit score exceed guideline minimum of 620<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned current home for 10 years |
| &nbsp;&nbsp;&nbsp;416 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 761 Median FICO >141 points above guideline program minimum of 620.<br> CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 59 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| &nbsp;&nbsp;&nbsp;799 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt B A | Property<br>Valuations | FEMA | Active B | PRVAFEMA856 | Natural<br>Disaster Area,<br>no subsequent<br>inspection<br>(Public) | No | FEMA<br>Declaration<br>for<br>XXXXXX<br>1/27/2026<br>and<br>appraisal<br>date<br>XXXXXX. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is < the maximum LTV of 85%.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 694 is > the minimum credit score of 620.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed with current employer for 19 years with a start date of 2/19/2007.<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 18 years. |
| &nbsp;&nbsp;&nbsp;336 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule;<br>Clayton's<br>status<br>determination<br>places loan in<br>a riskier status<br>than the<br>Lender's<br>status<br>determination. | No | Clayton<br>verified<br>Safe<br>Harbor.<br>Lender<br>verified<br>ATR<br>Exempt. | 4/8/2026:<br>Received Safe<br>Harbor<br>determination. | 4/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 756 mid score > min required of 620<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 0%<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 33.65% is below guideline maximum 45%. |
| &nbsp;&nbsp;&nbsp;336 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Affiliate<br>Business<br>Disclosure<br>missing | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 756 mid score > min required of 620<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 0%<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 33.65% is below guideline maximum 45%. |
| &nbsp;&nbsp;&nbsp;336 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to<br>closing<br>without a<br>valid reason<br>or not timely<br>disclosed;<br>refund<br>required<br>within 60<br>days of<br>consummation | No | $50 Zero<br>Percent<br>Tolerance<br>Violation<br>due to<br>increase in<br>Appraisal<br>fee from<br>$645 to<br>$695 at or<br>prior to<br>closing<br>without a<br>valid CIC.<br>Requires<br>CIC, or<br>corrected<br>PCCD,<br>copy of<br>refund<br>check,<br>LOX and<br>verification<br>of<br>shipping. | 4.8.2026 -<br>COC<br>provided | 4.8.2026 -<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 756 mid score > min required of 620<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 0%<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 33.65% is below guideline maximum 45%. |
| &nbsp;&nbsp;&nbsp;336 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Credit | Income/<br>Employment | Active B | CRDINC2496 | Verbal<br>verification of<br>employment<br>completed<br>outside the<br>stated<br>requirements<br>and/or after<br>closing/<br>funding | No | VOE on<br>file is dated<br>more than<br>10 days<br>prior to<br>Note date.<br>Provide<br>VOE dated<br>within 10<br>days of<br>Note date. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 756 mid score > min required of 620<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 0%<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 33.65% is below guideline maximum 45%. |

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| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender ATR/QM<br>Status** | **Loan<br>Level ATR/QM<br>Status** | **Condition<br>Category** | **ConditionSub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;336 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA (or CU)<br>score is >2.5.<br>Clayton to<br>order desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 756 mid score > min required of 620<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 0%<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 33.65% is below guideline maximum 45%. |
| &nbsp;&nbsp;&nbsp;405 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation,<br>CDA<br>required. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score of 765 > 620 required<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $234,952.07 (47.40 months PITIA reserves) > min required of $136,511.98<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 20+ years at the current job for B1 |
| &nbsp;&nbsp;&nbsp;774 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Income/<br>Employment | Satisfied D A | CRDINC3204 | Income<br>Documentation<br>Missing | No | There is no<br>documentation<br>of the<br>mortgage<br>statements for<br>XXXXXX.<br>There is not<br>documentation<br>of the<br>insurance<br>premium<br>forXXXXXX. | 4/8/2026:<br>Received<br>HOI for<br>XXXXXX.<br>The credit<br>report page<br>received for<br>XXXXXXn<br>that is in<br>the file with<br>the taxes<br>and HOI. | 4/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 620. Approved FICO is 786.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 45%. Approved DTI is 42.05%. |
| &nbsp;&nbsp;&nbsp;546 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D C A | Credit | Insurance | Active C | CRDINSR289 | Insufficient<br>Hazard<br>Insurance<br>Coverage | Yes | Per<br>replacement<br>cost<br>calculator,<br>estimated<br>replacement<br>cost is<br>$XXXXXX to<br>rebuild.<br>Actual cash<br>value is<br>$XXXXXX.<br>HOI must<br>cover the ERC<br>to rebuild. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 34% is lower than max allowed 45%.<br> CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: B1 has bonus reporting on WVOE for 2024 and 2025 not used to qualify.<br> CFCFS2860: Good credit history<br> - Clayton Comments: No late payments report on credit report history back to December 2002.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 786 exceeds minimum required 620. |
| &nbsp;&nbsp;&nbsp;546 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D C A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA or CU<br>score is no<br>score. Clayton<br>to order desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 34% is lower than max allowed 45%.<br> CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: B1 has bonus reporting on WVOE for 2024 and 2025 not used to qualify.<br> CFCFS2860: Good credit history<br> - Clayton Comments: No late payments report on credit report history back to December 2002.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 786 exceeds minimum required 620. |
| &nbsp;&nbsp;&nbsp;354 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied B | CMPTRID3676 | TRID - CD:<br>Ten percent<br>tolerance fee<br>or fees<br>increased at or<br>prior to closing<br>without a valid<br>reason or not<br>timely<br>disclosed;<br>refund<br>required within<br>60 days of<br>consummation. | No | 10% tolerance<br>fail for $62.80<br>due to<br>increased<br>recording fees<br>on final CD<br>2/6/26.<br>Exception<br>satisfied with<br>PCCD<br>2/11/26. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have been at their current residence over 12 years<br> CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B2 has been at their current job over 17 years<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 786. Minimum required 620<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been at their current job over 12 years |
| &nbsp;&nbsp;&nbsp;317 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Provide<br>Affiliated<br>Business<br>Disclosure | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 762 mid score > min required of 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $51,198.82 / 27.73 months PITIA > min required of $12,059.51.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 3.15% |
| &nbsp;&nbsp;&nbsp;317 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | Legal<br>Documents | Satisfied D A | CRDLGL100 | Legal<br>document<br>incorrect or<br>incomplete | No | /Title held as a<br>leasehold that<br>expires prior<br>to the maturity<br>of the<br>mortgage.<br>Expires<br>XXXXXX,<br>Loan maturity<br>date is<br>XXXXXX.<br>DU requires<br>that Leasehold<br>must extend<br>atleast 5 years<br>past maturity<br>datel | 4/9/2026:<br>Received<br>verification<br>the<br>Leasehold<br>is<br>renewable<br>forever. | 4/9/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 762 mid score > min required of 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $51,198.82 / 27.73 months PITIA > min required of $12,059.51.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 3.15% |

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| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Loan<br>Level ATR/QM<br>Status** | **Condition<br>Category** | **ConditionSub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;523 | XXXXXX | XXXXXX | XXXXXX (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 702 mid score exceeds min required of 620.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves of $20,019.73 or 9.07 exceed required reserves of $13,649.33.<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: 33 years at primary residence<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80% is below guidelines maximum of 85%. |
| &nbsp;&nbsp;&nbsp;361 | XXXXXX | XXXXXX | XXXXXX (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA<br>score not<br>assessed.<br>Clayton<br>to order<br>desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self employed for 7 years.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI of 26.06 is below guideline max DTI of 45.0.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves verified at $38,311.92, required reserves are $34,087.46. |
| &nbsp;&nbsp;&nbsp;419 | XXXXXX | XXXXXX | XXXXXX (No<br>Data) | ATR/<br>QM:<br>Exempt D A C | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule;<br>Clayton's<br>status<br>determination<br>places loan in<br>a riskier status<br>than the<br>Lender's<br>status<br>determination. | No | Lender<br>verified<br>ATR<br>Exempt.<br>Clayton<br>verified<br>Safe<br>Harbor<br>(APOR). | 4/21/2026:<br>Received<br>verification<br>this is a<br>Business<br>Purpose<br>transaction.<br>ATR<br>Exempt<br>applies. | 4/21/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower score is 791. Minimum score per program is 620.<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have60 months mortgage payment history 0x30.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 14.16% |
| &nbsp;&nbsp;&nbsp;419 | XXXXXX | XXXXXX | XXXXXX (No<br>Data) | ATR/<br>QM:<br>Exempt D A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA (or<br>CU)<br>score is<br>>2.5.<br>Clayton<br>to order<br>desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower score is 791. Minimum score per program is 620.<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have60 months mortgage payment history 0x30.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 14.16% |
| &nbsp;&nbsp;&nbsp;600 | XXXXXX | XXXXXX | XXXXXX (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years 8 months current residence<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 8 years with current employer.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 808 fico exceeds minimum 620 |
| &nbsp;&nbsp;&nbsp;357 | XXXXXX | XXXXXX | XXXXXX (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 787 exceeds guidelines with a minimum credit score of 620.<br> CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit history exceeds guidelines with no late payments within the past 5 years or more.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrowers have significant time at current job with 5.9 years. |
| &nbsp;&nbsp;&nbsp;318 | XXXXXX | XXXXXX | XXXXXX (No<br>Data) | ATR/<br>QM:<br>Exempt D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 4/7/2026:<br>received<br>BPO<br>supporting<br>value. | 4/7/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 72.63% CLTV < max permitted of 75%<br> CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have64 months mortgage payment history 0x30.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 800 mid score > min required of 620 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender ATR/QM<br>Status** | **Loan<br>Level ATR/QM<br>Status** | **Condition<br>Category** | **ConditionSub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;318 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW. Clayton<br>to order BPO. | 4/7/2026:<br>received<br>BPO<br>supporting<br>value. | 4/7/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 72.63% CLTV < max permitted of 75%<br> CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have64 months mortgage payment history 0x30.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 800 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;310 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 796 is above guideline minimum of 620.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 in profession for over 15 years<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $298,151.00 or 135 months PITIA. Required reserves are $27,740.72<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: At current residence for over 10 years |
| &nbsp;&nbsp;&nbsp;745 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | Application | Satisfied D A | CRDAPP4625 | The orig file<br>does not<br>contain a third<br>party fraud<br>report | No | Missing<br>OFAC for<br>XXXXXX<br>and<br>XXXXXX. | 4/8/2026:<br>Received<br>clear<br>OFAC for<br>both<br>borrowers. | 4/8/2026:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 783 mid score > min required of 620<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 21.20% is below guideline maximum 50%.<br> CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: B1 has bonus income of $8,786.18 that was not used in qualifying. $105,434.14 / 12 = $8,786.18.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 9.23%<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have37 months mortgage payment history 0x30.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $938,885.71 / 247.38 months PITIA > min required of $22,771.99. |
| &nbsp;&nbsp;&nbsp;745 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU returned<br>4.2 score.<br>Clayton to<br>order Desk<br>Review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 783 mid score > min required of 620<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 21.20% is below guideline maximum 50%.<br> CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: B1 has bonus income of $8,786.18 that was not used in qualifying. $105,434.14 / 12 = $8,786.18.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 9.23%<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have37 months mortgage payment history 0x30.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $938,885.71 / 247.38 months PITIA > min required of $22,771.99. |
| &nbsp;&nbsp;&nbsp;311 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>LCA score is<br>>2.5. Clayton<br>to order desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Median FICO 196 points above guideline minimum of 620<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrower DTI is 14 points below guideline maximum.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 5 years & 2 months at current job |
| &nbsp;&nbsp;&nbsp;400 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score is<br>undetermined.<br>Clayton to<br>order desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 14 years + with current employer<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: 7 1/2 years in current residence.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 8 years current company |
| &nbsp;&nbsp;&nbsp;741 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to<br>closing<br>without a<br>valid reason<br>or not timely<br>disclosed;<br>refund<br>required<br>within 60<br>days of<br>consummation | No | $1164 Zero<br>Percent<br>Tolerance<br>Violation due<br>to increase in<br>Broker fees<br>from $5136 to<br>$6300 on<br>Final CD<br>without a<br>valid Change<br>in<br>Circumstance.<br>Requires CIC,<br>or corrected<br>PCCD, copy<br>of refund<br>check, LOX<br>and<br>verification of<br>shipping. | 4.8.2026 -<br>COC<br>provided | 4.8.2026 -<br>Exception<br>satisfied | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 815 mid score > min required of 620<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 25 years at current job<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.25% DTI is below program max of 45%.<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8 years at primary residence |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender ATR/QM<br>Status** | **Loan<br>Level ATR/QM<br>Status** | **Condition<br>Category** | **ConditionSub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;363 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 79.9% below guideline maximum 85%<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 42.04 DTI below guideline maximum 50%<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves are $153806.14 exceeding required 6 months $30317<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence 11+ years<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 784 FICO exceeds guideline minimum 620<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 7+ years at current job<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have99 months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;411 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA<br>score is<br>3.5.<br>Clayton to<br>order desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves verified at $202,006.07, required reserves are $27,239.50.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 7 years with current employer.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit report shows no derogatory events or late payments, qualifying credit score of 750. |
| &nbsp;&nbsp;&nbsp;391 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA (or<br>CU) score<br>is >2.5.<br>Clayton to<br>order desk<br>review.<br>XXXXXX<br>and<br>XXXXXX<br>no<br>findings | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 2X30, 0X60, 0X90, in #249 months. Credit ratio 2%<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Validated on WVOE. Borrower has been with employer > 15 years<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 767 exceeds minimum |
| &nbsp;&nbsp;&nbsp;503 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 65% LTV/Maximum LTV 90%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 780 rep score / Minimum score 620<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 9.16% DTI/ Maximum DTI is 50% |
| &nbsp;&nbsp;&nbsp;532 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA<br>Score is<br>3.5 > 2.5.<br>Clayton to<br>order desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $965268.84 verified reserves exceeds 18 month PITI requirement $18611.04<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV below product maximum 85%<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower 1 has 26+ years at current job<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 20+ years at current residence<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 7%<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Verified 56+ on time payments no 0x30<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 800 Fico exceeds guideline minimum 620<br> CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Additional Subject rental income not used in qualifying<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 40% DTI below guideline max 45% |
| &nbsp;&nbsp;&nbsp;602 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 2.92%<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $88,402.50 or 35 months of P&I (or PITI if required)<br> CFCFS2860: Good credit history<br> - Clayton Comments: Borrower score is 777. Minimum score per program is 620. |
| &nbsp;&nbsp;&nbsp;527 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 105 points above guideline minimum of 620<br> CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower mortgage payment 0x30x99 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender ATR/QM<br>Status** | **Loan<br>Level ATR/QM<br>Status** | **Condition<br>Category** | **ConditionSub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;498 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score is<br>>2.5. Clayton<br>to order desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 28.10% is below guideline maximum 45%.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $87,031.35 / 30.72 months PITIA > min required of $16,996.38.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 9.38%<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: 9 years 11 months at primary residence |
| &nbsp;&nbsp;&nbsp;568 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Affiliate<br>Business<br>Disclosure<br>missing | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 769 mid score > min required of 620<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 5+ years at present job<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 36.42% is below guideline maximum 45%.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: 784 mid score > min required of 620<br> CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 116 months. |
| &nbsp;&nbsp;&nbsp;568 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to<br>closing<br>without a<br>valid reason<br>or not timely<br>disclosed;<br>refund<br>required<br>within 60<br>days of<br>consummation | No | Zero tolerance<br>fee or fees<br>increased at or<br>prior to<br>closing<br>without a<br>valid reason<br>or not timely<br>disclosed;<br>refund<br>required<br>within 60<br>days of<br>consummation | 4.8.2026 -<br>COC<br>provided | 4.8.2026 -<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 769 mid score > min required of 620<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 5+ years at present job<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 36.42% is below guideline maximum 45%.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: 784 mid score > min required of 620<br> CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 116 months. |
| &nbsp;&nbsp;&nbsp;458 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 34.37% DTI is below max of 45%<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing Assets: $71,029.19; reserves required $18,121.81<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV/Max is 90% |
| &nbsp;&nbsp;&nbsp;431 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: High Credit 761 Guidelines allow 620<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 25 Years in Current Profession<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 13 Years at Current Residence |
| &nbsp;&nbsp;&nbsp;390 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score is<br>no score.<br>Clayton to<br>order desk<br>review | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 12.38%<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves required per the AUS is $18,931.38, post close reserves are $32,480.97 |
| &nbsp;&nbsp;&nbsp;487 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > 24 Months<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit 798 Guidelines allow 680<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $47,733.47 or 20.88 PITIAReserves Required per AUS = $13,714.62 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender ATR/QM<br>Status** | **Loan<br>Level ATR/QM<br>Status** | **Condition<br>Category** | **ConditionSub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;502 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 810 Credit score exceeds minimum required of 620<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 18 years<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Revolving Credit line use at 4%, 96% available<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves remaining of $109,379.59 exceeds reserve requirement of $16,335.76. |
| &nbsp;&nbsp;&nbsp;499 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 0.02%<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 9+ years at present job<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 800 mid score > min required of 660. |
| &nbsp;&nbsp;&nbsp;484 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation,<br>CDA<br>required. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: The borrower has a positive mortgage payment history.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has significant time in the nursing profession. |
| &nbsp;&nbsp;&nbsp;486 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 7 years at current residence<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 797 fico score exceeds guidelines 620<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 21.25% DTI max DTI 45% |
| &nbsp;&nbsp;&nbsp;588 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have occupied the primary residence for 5 years.<br> CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: The mortgage payment was reduced from $5,054.28 PITIA to $4,157.83 PITIA = $896.45 savings on the mortgage debt.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post-Closing Assets: $796,774.94 - $24,946.98 RequiredReserves = $771,827.96/$4,157.83 PITIA = 185.63 months additional reserves.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been with the employer for 5 years 6 months.<br> CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B2 has been with the employer for 10 years 3 months.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The HCLTV is 64.41% and guidelines allow the HCLTV to be 75% |
| &nbsp;&nbsp;&nbsp;590 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 34.12%. Max 45%<br> CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit score 797. Minimum required 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $171,786.71 or 75.78 months PITI reserves. Required reserves $30,380.67 |
| &nbsp;&nbsp;&nbsp;490 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: 787 mis score > minimum required of 620<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrower`s DTI 46.67 is below maximum 50%<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: 13 years at primary residence.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score of 757 > 620 guideline required |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Loan<br>Level ATR/QM<br>Status** | **Condition<br>Category** | **ConditionSub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;507 | XXXXXX | XXXXXX | XXXXXX (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score<br>is >2.5.<br>Clayton to<br>order desk<br>review | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $247,756.21 (93.56 months PITIA reserves) > min required reserves of $15,888.72 |
| &nbsp;&nbsp;&nbsp;771 | XXXXXX | XXXXXX | XXXXXX (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 14 years and 0 months in current residence.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified FICO score 727. Minimum required 620<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: 6 years and 0 months in current profession. |
| &nbsp;&nbsp;&nbsp;517 | XXXXXX | XXXXXX | XXXXXX (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $110913.66 or 46.12 months of P&I<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: 30 years at current residence<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 803 fico score exceeds guidelines 620 |
| &nbsp;&nbsp;&nbsp;585 | XXXXXX | XXXXXX | XXXXXX (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 2.22%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 766 Mid score > min required of 620<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 39.72% below max. DTI of 45% |
| &nbsp;&nbsp;&nbsp;584 | XXXXXX | XXXXXX | XXXXXX (No<br>Data) | ATR/<br>QM:<br>Exempt B A | Credit | DTI | Active B | CRDDTI106 | Debt<br>Ratio<br>Exception<br>>5% and<br><10% | No | LP DTI<br>36.67%,<br>calculated<br>DTI<br>41.97% full<br>PITI for<br>subject and<br>two other<br>rental<br>properties<br>included in<br>DTI. Rental<br>income is<br>not<br>documented<br>and cannot<br>use rental<br>income<br>from<br>subject<br>property,<br>per<br>XXXXXX<br>guidelines<br>both<br>borrower's<br>must have a<br>primary<br>residence<br>expense,<br>B1 does not<br>have a<br>primary<br>expense. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: B2 has 20 months mortgage payment history 0x30<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 766 mid score > min required of 620<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 2.2% |
| &nbsp;&nbsp;&nbsp;581 | XXXXXX | XXXXXX | XXXXXX (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing Assets: $1,863,476,97; reserves required $27,840.76<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 29% DTI-Max DTI 50% |
| &nbsp;&nbsp;&nbsp;629 | XXXXXX | XXXXXX | XXXXXX (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 768 mid score > min required of 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $72,458.46 / 19.33 months PITI > min required of $45,070.46.<br> CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have53+ months mortgage payment history 0x30. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender ATR/QM<br>Status** | **Loan<br>Level ATR/QM<br>Status** | **Condition<br>Category** | **ConditionSub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;551 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D C A | Credit | Credit/<br>Mtg<br>History | Active C | CRDCRMH1805 | Debts/<br>obligations<br>not disclosed/<br>accounted for<br>at origination | Yes | Missing<br>evidence of<br>property taxes<br>and insurance<br>for XXXXXX.<br>The monthly<br>payment of<br>$4,814 shown<br>on the credit<br>report doesn't<br>specify<br>whether taxes<br>and insurance<br>are included in<br>the payment. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 12 years at present job<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 776 mid score > min required of 620<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 12.47%<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 23.27% is below guideline maximum 50%.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $37,158.80 /16.66 months PITIA > min required of $37,158.80. |
| &nbsp;&nbsp;&nbsp;551 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D C A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | DU returned<br>3.3 score.<br>Clayton to<br>order Desk<br>Review. | 4/07/2026:<br>CDA provided<br>supports<br>appraised value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 12 years at present job<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 776 mid score > min required of 620<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 12.47%<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 23.27% is below guideline maximum 50%.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $37,158.80 /16.66 months PITIA > min required of $37,158.80. |
| &nbsp;&nbsp;&nbsp;728 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to<br>closing<br>without a<br>valid reason<br>or not timely<br>disclosed;<br>refund<br>required<br>within 60<br>days of<br>consummation | No | Zero percent<br>tolerance fail<br>of $94.44 due<br>to the addition<br>of Verification<br>fee on CD<br>XXXXXX,<br>with no COC<br>in file. Provide<br>Internal COC<br>reflecting<br>valid reason<br>for the fee<br>changes within<br>3 business<br>days of change<br>-OR- PCCD<br>with cure,<br>copy of cure<br>check, LOE to<br>Borrower and<br>Evidence of<br>delivery via<br>method<br>including<br>tracking,<br>within 60 days<br>of discovery/<br>consummation | 4.17.2026 -<br>Cure provided | 4.17.2026<br>-<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified Credit Score 754 exceeds guideline minimum of 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $7795.54 exceeds AUS reserves of 0.00<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Verified 0x30 mortgage lates in past 12 months |
| &nbsp;&nbsp;&nbsp;728 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score is<br>>2.5. Clayton<br>to order desk<br>review | 4/07/2026:<br>CDA provided<br>supports<br>appraised value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified Credit Score 754 exceeds guideline minimum of 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $7795.54 exceeds AUS reserves of 0.00<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Verified 0x30 mortgage lates in past 12 months |
| &nbsp;&nbsp;&nbsp;587 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D B A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification of<br>some or all<br>components<br>of non-subject<br>PITI | No | HOA bill for<br>XXXXXX for<br>$85/mo.<br>Evidence<br>customer<br>escrows taxes<br>AND<br>insurance for<br>XXXXXX<br>and<br>XXXXXX.<br>Mortgage<br>statements<br>state escrows<br>tax and/or<br>insurance. No<br>tax bill to<br>validate<br>escrow covers<br>both. Evidence<br>of new loan<br>with<br>XXXXXX for<br>XXXXXX<br>paying off<br>XXXXXX,<br>closed<br>simultaneously<br>with subject<br>property.<br>Payment noted<br>on 1003:<br>$1,944.60/mo. | 4/8/2026:<br>Received Final<br>CD and HOA<br>for<br>REOXXXXXX.<br>Received taxes<br>for XXXXXX<br>and HOA/HOI<br>and taxes for<br>XXXXXX. | 4/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post-close cash reserves of $601,858.15 exceeds AUS required $127,386.78.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 778 exceeds minimum required FICO of 620.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per Secretary of State search and 1120-S, business entity has been open since 2014.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 22.29% less than max allowed 45%. |
| &nbsp;&nbsp;&nbsp;587 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO. | 4/8/2026:<br>Received BPO<br>supporting<br>value | 4/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post-close cash reserves of $601,858.15 exceeds AUS required $127,386.78.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 778 exceeds minimum required FICO of 620.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per Secretary of State search and 1120-S, business entity has been open since 2014.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 22.29% less than max allowed 45%. |
| &nbsp;&nbsp;&nbsp;587 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW. Clayton<br>to order BPO. | 4/8/2026:<br>Received BPO<br>supporting<br>value | 4/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post-close cash reserves of $601,858.15 exceeds AUS required $127,386.78.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 778 exceeds minimum required FICO of 620.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per Secretary of State search and 1120-S, business entity has been open since 2014.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 22.29% less than max allowed 45%. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender ATR/QM<br>Status** | **Loan<br>Level ATR/QM<br>Status** | **Condition<br>Category** | **ConditionSub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;519 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | CMPRESPA2698 | RESPA -<br>List of<br>homeowners<br>counseling<br>organizations<br>not in file | No | Missing List<br>of<br>Homeowners<br>Counseling<br>Organizations,<br>please provide<br>List of<br>homeowners<br>counseling<br>organizations<br>disclosure | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 182 months.<br> CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have45 months mortgage payment history 0x30.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower score is 728. Minimum score per program is 620. |
| &nbsp;&nbsp;&nbsp;519 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Missing<br>Affiliate<br>Business<br>Disclosure,<br>please provide<br>Affiliate<br>Business<br>Disclosure | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 182 months.<br> CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have45 months mortgage payment history 0x30.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower score is 728. Minimum score per program is 620. |
| &nbsp;&nbsp;&nbsp;519 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score<br>4.0. Clayton<br>to order Desk<br>Review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 182 months.<br> CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have45 months mortgage payment history 0x30.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower score is 728. Minimum score per program is 620. |
| &nbsp;&nbsp;&nbsp;601 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 10 yrs 3 mos<br> CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 16 yrs 7 mos<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8 yrs 6 mos<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 800. |
| &nbsp;&nbsp;&nbsp;548 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 620. Approved FICO is 769.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV is 75%. Approved LTV is 69.14%.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 45%. Approved DTI is 34.44%.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $67,796.28 or 33.86 months of PITIA. Required PITIA reserves are $53,359.78. |
| &nbsp;&nbsp;&nbsp;542 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 16+ years at present job<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 797 mid score > min required of 620<br> CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have48 months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;599 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>approved<br>PIW. Clayton<br>to order BPO. | 4/7/2026:<br>Received<br>BPO<br>supporting<br>value. | 4/7/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Verified LTV of 72% is below guideline max of 75%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified Credit Score 748 exceeds guideline minimum of 620<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified DTI 38% is below guideline maximum of 45% |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender ATR/QM<br>Status** | **Loan<br>Level ATR/QM<br>Status** | **Condition<br>Category** | **ConditionSub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;599 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order BPO. | 4/7/2026:<br>Received<br>BPO<br>supporting<br>value. | 4/7/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Verified LTV of 72% is below guideline max of 75%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified Credit Score 748 exceeds guideline minimum of 620<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified DTI 38% is below guideline maximum of 45% |
| &nbsp;&nbsp;&nbsp;589 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 17.75% is below guideline maximum 45%.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: Co- Borrower has been in same profession for 21 years.<br> CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: co- Borrower has been in same profession for 21 years.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 66.22%; guidelines allow 85%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 820 mid score > min required of 620<br> CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have196 months mortgage payment history 0x30.<br> CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 283 months. |
| &nbsp;&nbsp;&nbsp;567 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower does not have any derogatory credit and little monthly consumer debt.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has more than AUS required amount of reserves. |
| &nbsp;&nbsp;&nbsp;575 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 9+ years at present job<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $34,012.17 / 13.78 months PITIA > min required of $19,012.42.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 14.59% |
| &nbsp;&nbsp;&nbsp;735 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Credit | DTI | Satisfied C A | CRDDTI187 | Debt<br>Ratio ><br>50% | No | Recalculated<br>DTI of<br>56.68%<br>resulted<br>from<br>recalculated<br>primary<br>housing<br>monthly<br>PITIA of<br>$4,347.60,<br>and other<br>rental REO<br>monthly<br>expenses<br>(TI&A) of<br>$1,787.94.<br>Lender used<br>a lower<br>monthly<br>PITIA for<br>primary<br>$4,037.94 &<br>other REO<br>$893.35 to<br>qualify. | 4/8/2026:<br>Received<br>docs for<br>primary<br>residence<br>and<br>Clayton<br>corrected<br>the<br>monthly<br>for<br>investment<br>REO. | 4/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 709 is 89 points above minimum program requirement of 620.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has maintained current job for 134 months.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $63,833.25/18.86 PITIA which is > guideline minimum. |
| &nbsp;&nbsp;&nbsp;740 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA<br>returned no<br>score.<br>Clayton to<br>order Desk<br>Review. | 4/8/2026:<br>Received<br>CDA<br>supporting<br>value. | 4/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 765 is 145 points above minimum program requirement of 620.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has maintained current job for 217 months.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers has $104,869.95/29.71 PITIA which is > guideline minimum.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit line usage ratio of 0.49%.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 26.36% is below the guideline maximum of 50%. |
| &nbsp;&nbsp;&nbsp;826 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO | 4/7/2026:<br>Received<br>BPO<br>supporting<br>value. | 4/7/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 13 years and 6 months in current residence.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: 22 years and 0 months in current profession. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender ATR/QM<br>Status** | **Loan<br>Level ATR/QM<br>Status** | **Condition<br>Category** | **ConditionSub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;717 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 12.84 below guideline requirement 50%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 811 mid score > min required of 620<br> CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for over 24 months. |
| &nbsp;&nbsp;&nbsp;773 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO. | 4/7/2026:<br>received BPO<br>supporting<br>value. | 4/7/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $44, 7608.71 or 109.05 months of P&I Required PITI Reserves are $2877.84 x 8.55 months = $24,627.44Post Close Assets are $447608.71 or 109.05 months of P&I<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 13 years at current job<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: 6 years at current residence<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 771 fico score exceeds guidelines 620 |
| &nbsp;&nbsp;&nbsp;773 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO. | 4/7/2026:<br>received BPO<br>supporting<br>value. | 4/7/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $44, 7608.71 or 109.05 months of P&I Required PITI Reserves are $2877.84 x 8.55 months = $24,627.44Post Close Assets are $447608.71 or 109.05 months of P&I<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 13 years at current job<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: 6 years at current residence<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 771 fico score exceeds guidelines 620 |
| &nbsp;&nbsp;&nbsp;838 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 764 mid score > min required of 620<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving cred lines @ 0.60%<br> CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers has 0x30 for 24 months |
| &nbsp;&nbsp;&nbsp;839 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Legal<br>Documents | Satisfied D A | CRDLGL4033 | Missing<br>Legal<br>Document(s) | No | Missing<br>QM<br>Analysis/<br>Mavent<br>noted as<br>part of<br>closing<br>documents<br>confirming<br>ability to<br>repay | 4/7/2026:<br>Received Safe<br>Harbor<br>determination. | 4/7/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history with no late pay/derog line items. 803 Median Credit, Oldest Trade 6/2007<br> CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 161 months of 0x30 mortgage history per CBR.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 21.5yrs tenure with current employer<br> CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Additional documented bonus income not used in qualifying $2567.89+$1876.89/24=$185.20 per month<br> CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 224 months of 0x30 consumer credit history per CBR. |
| &nbsp;&nbsp;&nbsp;839 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Title | Satisfied C A | CRDTIL875 | Title Does<br>Not Agree<br>With<br>Mortgage | No | Missing<br>executed<br>QCD<br>changing<br>title from<br>XXXXXX<br>to and<br>XXXXXX | 4/15/2026:<br>Received<br>Final Title<br>showing both<br>borrowers<br>vesting. | 4/15/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history with no late pay/derog line items. 803 Median Credit, Oldest Trade 6/2007<br> CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 161 months of 0x30 mortgage history per CBR.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 21.5yrs tenure with current employer<br> CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Additional documented bonus income not used in qualifying $2567.89+$1876.89/24=$185.20 per month<br> CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 224 months of 0x30 consumer credit history per CBR. |
| &nbsp;&nbsp;&nbsp;772 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | ABA<br>missing<br>from Loan<br>documents<br>please<br>provide a<br>copy,<br>FACTS<br>form in<br>file does<br>show<br>affiliates. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrowers have held significant time at current job with more than 10 years employed.<br> CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have maintained a positive on-time credit history with no major delinquencies.<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have maintained a lifetime 0 x 30 mortgage payment history. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender ATR/QM<br>Status** | **Loan<br>Level ATR/QM<br>Status** | **Condition<br>Category** | **ConditionSub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;776 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Property<br>Valuations | FEMA | Active B | PRVAFEMA856 | Natural<br>Disaster<br>Area, no<br>subsequent<br>inspection<br>(Public) | No | No<br>inspection<br>for FEMA<br>disaster

#XXXXXX<br>declared<br>XXXXXX. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $11207.52 reserves exceed $7687.98 (6 months) reserves required<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 35.72 DTI below guideline maximum 50%<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 64.58 below guideline requirement 75%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 786 credit score exceeds guideline minimum 620<br> CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Borrower has bonus income not used in qualifying |
| &nbsp;&nbsp;&nbsp;811 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA (or<br>CU) score is<br>>2.5.<br>Clayton to<br>order desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 23 years at primary residence<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been in same profession for 26 years.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 779 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;768 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>CU score is<br>>2.5.<br>Clayton to<br>order desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $4,822,585.21 / 1,119 months PITIA > min required of $25,855.86.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 3.67%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 779 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;723 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 68.8% LTV; Max LTV 90%<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing Assets: $76,461.37; reserves required $23,167.38<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 705 rep score; Minimum required 620 |
| &nbsp;&nbsp;&nbsp;785 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA/CU<br>score is<br>>2.5.<br>Clayton to<br>order a desk<br>review | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history with only one aged 1x30 dated 9/2021, 772 median credit score, oldest trade 9/1999.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 8.167yrs tenure with current employer<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves of $283,886.08 or 25.99 mths of PITI $9189.98 ($5120.24+$4069.74) exceed guideline requirement of $24,418.44<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 76.09% LTV below maximum allowed LTV guideline of 85% |
| &nbsp;&nbsp;&nbsp;823 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage with Regions reporting 79 months with 48 months 0X30<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $187620 or 41.67 months of PITIARequired PITIA Reserves are $4502.51 X 14 = $64,081.40<br> CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Borrower earns approximately $16,355.33 in Bonus and Stock Option Income that is not being considered. |
| &nbsp;&nbsp;&nbsp;731 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | Title | Satisfied D A | CRDTIL4871 | Missing<br>Title<br>Certification | No | Missing<br>property tax<br>bill for the<br>subject<br>property.<br>Please<br>provide the<br>most recent<br>property tax<br>bill to<br>support the<br>annual<br>property<br>taxes used in<br>qualification. | 4/8/2026:<br>Received<br>doc<br>showing<br>estimated<br>taxes<br>annually<br>of<br>$11,155.92<br>which is<br>based on<br>investor. | 4/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $155,797.59 / 30.53 months PITIA > min required of $38,616.54.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 777 mid score > min required of 620<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 6.30%<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 22+ years at present job. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender ATR/QM<br>Status** | **Loan<br>Level ATR/<br>QM Status** | **Condition<br>Category** | **ConditionSub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;765 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM:<br>Exempt D A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification of<br>some or all<br>components<br>of non-subject<br>PITI | No | Taxes/<br>Insurance/<br>HOA dues for<br>primary<br>residence<br>XXXXXX,<br>HOA dues for<br>XXXXXX,<br>and P&I<br>forXXXXXX<br>XXXXXX

#XXXXXX<br>mortgage<br>statement are<br>pending to<br>complete<br>verification of<br>PITIA on all<br>owned<br>properties. | 4/6/2026:<br>Received<br>docs - no<br>HOA on<br>XXXXXX<br>or<br>XXXXXX.<br>Received<br>HOI and<br>Taxes for<br>XXXXXX<br>and<br>Clayton<br>verified<br>$58/mo<br>HOA.<br>Received<br>Mtg stmnt<br>for<br>XXXXXX. | 4/6/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 no mortgage lates<br> CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 13 years with current employer<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: 22 years current residence |
| &nbsp;&nbsp;&nbsp;840 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Rebuttable<br>Presumption<br>(APOR) | QM:<br>Rebuttable<br>Presumption<br>(APOR) C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>approved<br>PIW. Clayton<br>to order BPO. | 4/1/2026:<br>Received<br>BPO<br>supporting<br>value. | 4/1/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 32.772% is below guideline maximum 50%.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 1.30%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower score is 806. Minimum score per program is 620. |
| &nbsp;&nbsp;&nbsp;791 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA Score<br>3.0. Clayton<br>to order Desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 799 mid score > min required of 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $39,931.11 / 12.48 months PITIA > min required of $23.780.66<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 15+ years at present job<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 5.78% |
| &nbsp;&nbsp;&nbsp;761 | XXXXXX | XXXXXX | XXXXXX | ATR/QM:<br>Not<br>Provided | QM: Safe<br>Harbor<br>(APOR) D C A | Credit | Ability to<br>Repay/<br>Qualified<br>Mortgage | Active C | CRDATRQM3124 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; Lender<br>did not<br>provide an<br>ATR/QM<br>status<br>determination. | Yes | Provide<br>Lender QM<br>determination. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 99 months mortgage payment history 0x30.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 36.994% is below guideline maximum 50%.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower score is 796. Minimum score per program is 620. |
| &nbsp;&nbsp;&nbsp;761 | XXXXXX | XXXXXX | XXXXXX | ATR/QM:<br>Not<br>Provided | QM: Safe<br>Harbor<br>(APOR) D C A | Credit | Income/<br>Employment | Satisfied C A | CRDINC150 | Income docs<br>do not meet<br>guidelines | No | Lender to<br>explain why<br>commission<br>income was<br>averaged<br>when the<br>income<br>declined.<br>Commission<br>for 2025 was<br>$348,522.66<br>and<br>commission<br>income for<br>2024 was<br>$589,703.42.<br>Correct<br>income based<br>on lower 2025<br>is $29,043.55<br>for<br>commission<br>income,<br>however,<br>$39,926.08<br>was used.<br>Using the<br>lower<br>Commission<br>average<br>increases DTI<br>to 45.30%. | 4/15/2026:<br>Received<br>updated<br>Final 1003<br>and LP<br>showing<br>lower<br>commission<br>income<br>used. LP is<br>Streamlined<br>Accept at<br>47% DTI. | 4/15/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 99 months mortgage payment history 0x30.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 36.994% is below guideline maximum 50%.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower score is 796. Minimum score per program is 620. |
| &nbsp;&nbsp;&nbsp;761 | XXXXXX | XXXXXX | XXXXXX | ATR/QM:<br>Not<br>Provided | QM: Safe<br>Harbor<br>(APOR) D C A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU/LCA<br>score not<br>returned.<br>Clayton to<br>order Desk<br>Review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 99 months mortgage payment history 0x30.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 36.994% is below guideline maximum 50%.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower score is 796. Minimum score per program is 620. |
| &nbsp;&nbsp;&nbsp;806 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | UCDP<br>missing an<br>LCA score.<br>Clayton to<br>order desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 27% DTI below guideline requirement 45% max<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 69% LTV below guideline requirements 90% max<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal use of credit |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender ATR/QM<br>Status** | **Loan<br>Level ATR/QM<br>Status** | **Condition<br>Category** | **ConditionSub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;833 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 2.68%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 808 mid score > min required of 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $24,762.57 > required $4729.76 |
| &nbsp;&nbsp;&nbsp;841 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Affiliate<br>Business<br>Disclosure<br>missing | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 762 mid score > min required of 620<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 65.514%; guidelines allow 80%.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 37.30% is below guideline maximum 45%. |
| &nbsp;&nbsp;&nbsp;841 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score<br>>2.5.<br>Clayton to<br>order desk<br>review. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 762 mid score > min required of 620<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 65.514%; guidelines allow 80%.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 37.30% is below guideline maximum 45%. |
| &nbsp;&nbsp;&nbsp;783 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Primary borrower has been in the same line of work for 12 years<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence for 10 years<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 34.45% is below maximum allowed of 45%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 787 credit score exceeds minimum required of 620<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: All mortgages on credit report have 0 X 30 payment history |
| &nbsp;&nbsp;&nbsp;784 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 787 mid score > min required of 660.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time, over 16 years at present job<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $202,515.00 or 71.72 months of PITI.Required PITI reserves are $18,680.78. |
| &nbsp;&nbsp;&nbsp;842 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton or<br>order<br>BPO. | 4/9/2026:<br>Received<br>BPO<br>supporting<br>value. | 4/9/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have more than 30 months of reserve assets $137,275.71/4531.59= 30.29 months.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 34% is below the max allowed DTI of 45%.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 761 credit score. Minimum required 620.<br> CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers mortgage history is 0 x 30 out of last 24 months. |
| &nbsp;&nbsp;&nbsp;842 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order<br>BPO. | 4/9/2026:<br>Received<br>BPO<br>supporting<br>value. | 4/9/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have more than 30 months of reserve assets $137,275.71/4531.59= 30.29 months.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 34% is below the max allowed DTI of 45%.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 761 credit score. Minimum required 620.<br> CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers mortgage history is 0 x 30 out of last 24 months. |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender ATR/QM<br>Status** | **Loan<br>Level ATR/QM<br>Status** | **Condition<br>Category** | **ConditionSub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;828 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score<br>is >2.5.<br>Clayton to<br>order desk<br>review | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $76,323.35 / 27.23 months PITIA > min required of $0.00.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 29.21% is below guideline maximum 45%.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 10.86%<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been on current job for 11+ years |
| &nbsp;&nbsp;&nbsp;845 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this profession for 25 years<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines |
| &nbsp;&nbsp;&nbsp;16 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score is<br>>2.5,<br>Clayton to<br>order Desk<br>Review | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $79102.47 or 22.96 months of PITIA > min required reserves of $20,667.47<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 34% Dti max DTI 45%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 840 fico score exceeds guidelines 620<br> CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Bonus income not used to qualify |
| &nbsp;&nbsp;&nbsp;802 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA (or<br>CU) score<br>is >2.5.<br>Clayton to<br>order<br>deskreview. | 4/07/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 4/07/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $223,351.21 or 50.82 months of PITIA. Required reserves are $37,728.84 or 2 months for each financed property.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 620. Approved FICO is 780. |
| &nbsp;&nbsp;&nbsp;818 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | (No Data) |
| &nbsp;&nbsp;&nbsp;832 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 792 mid score > min required of 660.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $1,477,741.01 or 687.23 months PITIA. Required reserves per LP approval $12,901.74.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 25% is below guideline maximum 45%. |
| &nbsp;&nbsp;&nbsp;809 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 payment history on credit report<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 20 years at current residence<br> CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: $310887.27 in total debt paid in full through closing including subject property lien, HELOC on REO, and credit card paid in full. |
| &nbsp;&nbsp;&nbsp;798 | XXXXXX | XXXXXX | XXXXXX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit 809 Guidelines allow 680<br> CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > 24 Months<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $79,023.74 or 33.42 PITIA.Reserves Required per DU = $14,185.45 |

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| | |
|:---|:---|
| **Client Name:** | **PennyMac** |
| **Client Project Name:** | **PNMAC PMTLT 2026-INV5 J16768** |
| **Conditions Report 2.0** |  |
| ***Loans in Report:*** | *455* |
| ***Loans with Conditions:*** | *271* |

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Lender<br>Application<br>Date** | **Broker Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;1090 | XXXXXX | XXXXXX | XXXXXX D C B A | No |
| &nbsp;&nbsp;&nbsp;1121 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;972 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;970 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;973 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;1122 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;981 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;211 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;1009 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;1130 | XXXXXX | XXXXXX | XXXXXX D B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;781 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;863 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;952 | XXXXXX | XXXXXX | XXXXXX D B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;115 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;200 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;971 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;77 | XXXXXX | XXXXXX | XXXXXX D A C | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;1067 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;956 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;555 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;877 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;1034 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;79 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;958 | XXXXXX | XXXXXX | XXXXXX D C A | No |
| &nbsp;&nbsp;&nbsp;862 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;209 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;980 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;868 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;76 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;962 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;1072 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;5 | XXXXXX | XXXXXX | XXXXXX C B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;1033 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;220 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;1071 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;81 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;380 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;754 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;377 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;378 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Lender<br>Application<br>Date** | **Broker Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;692 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;303 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;1036 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;224 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;469 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;705 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;556 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;379 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;201 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;219 | XXXXXX | XXXXXX | XXXXXX C B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;626 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;333 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;465 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;708 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;756 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;757 | XXXXXX | XXXXXX | XXXXXX C B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;470 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;710 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;693 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;1103 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;18 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;509 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;116 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;1037 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;513 | XXXXXX | XXXXXX | XXXXXX D B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;516 | XXXXXX | XXXXXX | XXXXXX D B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;1069 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;511 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;1117 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;976 | XXXXXX | XXXXXX | XXXXXX D A C | No |
| &nbsp;&nbsp;&nbsp;640 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;6 | XXXXXX | XXXXXX | XXXXXX D C A B | No |
| &nbsp;&nbsp;&nbsp;963 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;641 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;471 | XXXXXX | XXXXXX | XXXXXX D B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;117 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;860 | XXXXXX | XXXXXX | XXXXXX D B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;642 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;643 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;645 | XXXXXX | XXXXXX | XXXXXX D A | No |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Lender<br>Application<br>Date** | **Broker Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;381 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;19 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;646 | XXXXXX | XXXXXX | XXXXXX C B A | No |
| &nbsp;&nbsp;&nbsp;648 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;649 | XXXXXX | XXXXXX | XXXXXX D B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;711 | XXXXXX | XXXXXX | XXXXXX D C A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;3 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;890 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;12 | XXXXXX | XXXXXX | XXXXXX C B A | No |
| &nbsp;&nbsp;&nbsp;1 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;382 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;849 | XXXXXX | XXXXXX | XXXXXX D A C | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;1120 | XXXXXX | XXXXXX | XXXXXX C B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;1115 | XXXXXX | XXXXXX | XXXXXX D B A C | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;1114 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;1131 | XXXXXX | XXXXXX | XXXXXX C B A | No |
| &nbsp;&nbsp;&nbsp;1136 | XXXXXX | XXXXXX | XXXXXX C A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;1097 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;408 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;1119 | XXXXXX | XXXXXX | XXXXXX D B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;1092 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;1132 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;937 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;1133 | XXXXXX | XXXXXX | XXXXXX D B A C | No |
| &nbsp;&nbsp;&nbsp;927 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;1116 | XXXXXX | XXXXXX | XXXXXX D B A C | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;1065 | XXXXXX | XXXXXX | XXXXXX D A C | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;1104 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;855 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;1058 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;1134 | XXXXXX | XXXXXX | XXXXXX C B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;189 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;398 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;173 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;1137 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;906 | XXXXXX | XXXXXX | XXXXXX D A B | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;1139 | XXXXXX | XXXXXX | XXXXXX D B A C | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;427 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;273 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;54 | XXXXXX | XXXXXX | XXXXXX D A | No |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Lender<br>Application<br>Date** | **Broker Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;1118 | XXXXXX | XXXXXX | XXXXXX C A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;1024 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;1138 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;60 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;1105 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;1094 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;44 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;28 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;241 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;1062 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;1125 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;1023 | XXXXXX | XXXXXX | XXXXXX D A C | No |
| &nbsp;&nbsp;&nbsp;284 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;327 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;67 | XXXXXX | XXXXXX | XXXXXX C B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;161 | XXXXXX | XXXXXX | XXXXXX D B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;454 | XXXXXX | XXXXXX | XXXXXX C B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;929 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;1107 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;1109 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;1110 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;89 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;69 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;943 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;102 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;1060 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;452 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;104 | XXXXXX | XXXXXX | XXXXXX B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;946 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;413 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;72 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;25 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;442 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;21 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;922 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;292 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;1044 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;1126 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;1135 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;898 | XXXXXX | XXXXXX | XXXXXX B A | Not<br>Applicable |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Lender<br>Application<br>Date** | **Broker Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;481 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;944 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;174 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;410 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;1019 | XXXXXX | XXXXXX | XXXXXX B A | No |
| &nbsp;&nbsp;&nbsp;329 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;900 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;1076 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;58 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;150 | XXXXXX | XXXXXX | XXXXXX D B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;94 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;632 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;1022 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;1096 | XXXXXX | XXXXXX | XXXXXX D B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;110 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;62 | XXXXXX | XXXXXX | XXXXXX C B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;195 | XXXXXX | XXXXXX | XXXXXX D B C A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;155 | XXXXXX | XXXXXX | XXXXXX D B C A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;544 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;395 | XXXXXX | XXXXXX | XXXXXX D B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;140 | XXXXXX | XXXXXX | XXXXXX D B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;684 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;508 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;326 | XXXXXX | XXXXXX | XXXXXX B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;175 | XXXXXX | XXXXXX | XXXXXX C B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;187 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;453 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;165 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;1017 | XXXXXX | XXXXXX | XXXXXX D B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;157 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;153 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;33 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;401 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;915 | XXXXXX | XXXXXX | XXXXXX D B A C | No |
| &nbsp;&nbsp;&nbsp;68 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;596 | XXXXXX | XXXXXX | XXXXXX B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;896 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;892 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;325 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;583 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Lender<br>Application<br>Date** | **Broker Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;518 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;86 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;686 | XXXXXX | XXXXXX | XXXXXX C B A | No |
| &nbsp;&nbsp;&nbsp;902 | XXXXXX | XXXXXX | XXXXXX C A B | No |
| &nbsp;&nbsp;&nbsp;446 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;55 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;444 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;744 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;675 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;668 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;682 | XXXXXX | XXXXXX | XXXXXX C B A | No |
| &nbsp;&nbsp;&nbsp;610 | XXXXXX | XXXXXX | XXXXXX D A C | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;942 | XXXXXX | XXXXXX | XXXXXX D A C | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;160 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;680 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;324 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;353 | XXXXXX | XXXXXX | XXXXXX D B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;1030 | XXXXXX | XXXXXX | XXXXXX C A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;154 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;746 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;163 | XXXXXX | XXXXXX | XXXXXX D B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;669 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;38 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;795 | XXXXXX | XXXXXX | XXXXXX D B C A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;886 | XXXXXX | XXXXXX | XXXXXX D A | Yes |
| &nbsp;&nbsp;&nbsp;661 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;674 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;747 | XXXXXX | XXXXXX | XXXXXX D A | Yes |
| &nbsp;&nbsp;&nbsp;330 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;440 | XXXXXX | XXXXXX | XXXXXX B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;1012 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;428 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;920 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;663 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;992 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;521 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;677 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;787 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;619 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;903 | XXXXXX | XXXXXX | XXXXXX B A | Not<br>Applicable |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Lender<br>Application<br>Date** | **Broker Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;916 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;912 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;331 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;908 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;1000 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;166 | XXXXXX | XXXXXX | XXXXXX C B A | Yes |
| &nbsp;&nbsp;&nbsp;895 | XXXXXX | XXXXXX | XXXXXX C A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;85 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;847 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;295 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;673 | XXXXXX | XXXXXX | XXXXXX C A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;611 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;1061 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;901 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;276 | XXXXXX | XXXXXX | XXXXXX C A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;1025 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;265 | XXXXXX | XXXXXX | XXXXXX B A | No |
| &nbsp;&nbsp;&nbsp;690 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;51 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;14 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;162 | XXXXXX | XXXXXX | XXXXXX D B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;994 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;612 | XXXXXX | XXXXXX | XXXXXX C A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;856 | XXXXXX | XXXXXX | XXXXXX D B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;281 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;432 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;984 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;667 | XXXXXX | XXXXXX | XXXXXX B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;169 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;858 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;1006 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;1048 | XXXXXX | XXXXXX | XXXXXX C A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;1041 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;1059 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;88 | XXXXXX | XXXXXX | XXXXXX D A C | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;1074 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;887 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;1016 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;1086 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;633 | XXXXXX | XXXXXX | XXXXXX D A | No |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Lender<br>Application<br>Date** | **Broker Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;120 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;613 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;1040 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;352 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;135 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;576 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;1032 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;883 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;993 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;999 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;1056 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;227 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;1021 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;743 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;1063 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;1052 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;386 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;13 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;1085 | XXXXXX | XXXXXX | XXXXXX C A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;1039 | XXXXXX | XXXXXX | XXXXXX B A | No |
| &nbsp;&nbsp;&nbsp;20 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;1045 | XXXXXX | XXXXXX | XXXXXX D A C | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;63 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;191 | XXXXXX | XXXXXX | XXXXXX D B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;182 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;39 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;66 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;528 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;26 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;358 | XXXXXX | XXXXXX | XXXXXX D A B | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;27 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;84 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;1080 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;621 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;35 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;655 | XXXXXX | XXXXXX | XXXXXX B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;96 | XXXXXX | XXXXXX | XXXXXX D C A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;107 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;279 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;119 | XXXXXX | XXXXXX | XXXXXX D B A | Not<br>Applicable |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Lender<br>Application<br>Date** | **Broker Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;124 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;396 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;123 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;118 | XXXXXX | XXXXXX | XXXXXX B A | No |
| &nbsp;&nbsp;&nbsp;152 | XXXXXX | XXXXXX | XXXXXX B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;343 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;136 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;289 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;234 | XXXXXX | XXXXXX | XXXXXX C A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;267 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;418 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;291 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;258 | XXXXXX | XXXXXX | XXXXXX D A C | No |
| &nbsp;&nbsp;&nbsp;422 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;620 | XXXXXX | XXXXXX | XXXXXX C A | No |
| &nbsp;&nbsp;&nbsp;388 | XXXXXX | XXXXXX | XXXXXX D B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;298 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;245 | XXXXXX | XXXXXX | XXXXXX C B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;491 | XXXXXX | XXXXXX | XXXXXX B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;233 | XXXXXX | XXXXXX | XXXXXX D C A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;283 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;272 | XXXXXX | XXXXXX | XXXXXX C A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;296 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;270 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;351 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;290 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;342 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;767 | XXXXXX | XXXXXX | XXXXXX A | Yes |
| &nbsp;&nbsp;&nbsp;737 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;261 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;255 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;300 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;421 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;264 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;315 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;417 | XXXXXX | XXXXXX | XXXXXX D B A C | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;482 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;364 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;483 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;256 | XXXXXX | XXXXXX | XXXXXX A | No |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Lender<br>Application<br>Date** | **Broker Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;287 | XXXXXX | XXXXXX | XXXXXX D A C | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;420 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;497 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;485 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;554 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;416 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;799 | XXXXXX | XXXXXX | XXXXXX B A | No |
| &nbsp;&nbsp;&nbsp;336 | XXXXXX | XXXXXX | XXXXXX D B A C | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;405 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;774 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;546 | XXXXXX | XXXXXX | XXXXXX D C A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;354 | XXXXXX | XXXXXX | XXXXXX B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;317 | XXXXXX | XXXXXX | XXXXXX D B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;523 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;361 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;419 | XXXXXX | XXXXXX | XXXXXX D A C | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;600 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;357 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;318 | XXXXXX | XXXXXX | XXXXXX D B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;310 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;745 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;311 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;400 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;741 | XXXXXX | XXXXXX | XXXXXX C A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;363 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;411 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;391 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;503 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;532 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;602 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;527 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;498 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;568 | XXXXXX | XXXXXX | XXXXXX C B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;458 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;431 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;390 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;487 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;502 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;499 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;484 | XXXXXX | XXXXXX | XXXXXX D A | No |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Lender<br>Application<br>Date** | **Broker Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;486 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;588 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;590 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;490 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;507 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;771 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;517 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;585 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;584 | XXXXXX | XXXXXX | XXXXXX B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;581 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;629 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;551 | XXXXXX | XXXXXX | XXXXXX D C A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;728 | XXXXXX | XXXXXX | XXXXXX D B A C | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;587 | XXXXXX | XXXXXX | XXXXXX D B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;519 | XXXXXX | XXXXXX | XXXXXX D B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;601 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;548 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;542 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;599 | XXXXXX | XXXXXX | XXXXXX D B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;589 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;567 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;575 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;735 | XXXXXX | XXXXXX | XXXXXX C A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;740 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;826 | XXXXXX | XXXXXX | XXXXXX C B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;717 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;773 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;838 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;839 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;772 | XXXXXX | XXXXXX | XXXXXX B A | No |
| &nbsp;&nbsp;&nbsp;776 | XXXXXX | XXXXXX | XXXXXX B A | No |
| &nbsp;&nbsp;&nbsp;811 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;768 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;723 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;785 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;823 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;731 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;765 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;840 | XXXXXX | XXXXXX | XXXXXX C B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;791 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Lender<br>Application<br>Date** | **Broker Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;761 | XXXXXX | XXXXXX | XXXXXX D C A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;806 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;833 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;841 | XXXXXX | XXXXXX | XXXXXX D B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;783 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;784 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;842 | XXXXXX | XXXXXX | XXXXXX D B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;828 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;845 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;16 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;802 | XXXXXX | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;818 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;832 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;809 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;798 | XXXXXX | XXXXXX | XXXXXX A | Not<br>Applicable |

---

## Exhibit 99.3

**EXHIBIT 99.3** 

**CLAYTON RATING AGENCY ATR QM DATA FIELDS** 

------

---

| | |
|:---|:---|
| **Client Name:** | **PennyMac** |
| **Client Project Name:** | **PNMAC PMTLT 2026-INV5 J16768** |
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |
| *Loans in Report:* | *455* |

---

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to 1/10/2014** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM<br>Total<br>Points<br>and Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1<br>Foreign National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Borrowers<br>Qualified<br>Through a<br>Non-Resident<br>Alien<br>Program** | **Residual<br>Income<br>Analysis in<br>File** | **ATR/<br>QM<br>Residual<br>Income** |
| &nbsp;&nbsp;&nbsp;1090 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3282.2 | XXXXXX | 7.067 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;1121 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.375 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;972 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;970 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.25 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;973 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4694 | XXXXXX | 7.2267 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;1122 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4603.63 | XXXXXX | 6.1653 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;981 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;211 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8096 | XXXXXX | 7.0363 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;1009 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.1115 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;1130 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9695.92 | XXXXXX | 7.5798 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;781 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7238 | XXXXXX | 6.6116 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;863 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;952 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6711.5 | XXXXXX | 6.9122 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;115 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 16088 | XXXXXX | 7.0125 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;200 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;971 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;77 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.375 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;1067 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;956 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;555 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;877 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.25 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;1034 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.499 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;79 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.624 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;958 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.499 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;862 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3026 | XXXXXX | 6.6953 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;209 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5427.08 | XXXXXX | 6.4821 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;980 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.124 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;868 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.624 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;76 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.124 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;962 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.9989 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;1072 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.124 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;5 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.999 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;1033 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.124 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;220 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.9181 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;1071 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.124 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;81 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6112 | XXXXXX | 6.7065 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;380 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.124 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;754 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3559.48 | XXXXXX | 7.1483 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;377 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.75 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;378 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.9989 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;692 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.124 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;303 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8963 | XXXXXX | 6.3304 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;1036 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.124 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;224 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2425.57 | XXXXXX | 6.6147 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;469 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;705 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.9989 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;556 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4172.38 | XXXXXX | 6.5612 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;379 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.124 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;201 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6247 | XXXXXX | 6.66 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;219 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7813.25 | XXXXXX | 6.2153 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;626 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.499 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;333 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.9901 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;465 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.6251 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;708 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.99 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;756 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2394.13 | XXXXXX | 6.3705 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;757 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5813 | XXXXXX | 6.2432 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;470 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 5.9989 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;710 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.9989 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;693 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.499 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;1103 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.9703 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;18 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.9989 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;509 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1400 | XXXXXX | 6.0469 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;116 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.499 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;1037 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.499 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;513 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 3123.63 | XXXXXX | 6.2864 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;516 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.124 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;1069 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 425.46 | XXXXXX | 6.0927 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;511 | XXXXXX | QM: Rebuttable Presumption (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4688.1 | XXXXXX | 7.9524 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;1117 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;976 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.579 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;640 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.99 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;6 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 4640.38 | XXXXXX | 6.2099 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;963 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3057 | XXXXXX | 6.315 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;641 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;471 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1739 | XXXXXX | 7.0259 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;117 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.25 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;860 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.124 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;642 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2439 | XXXXXX | 7.1062 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;643 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.0207 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;645 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.99 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;381 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.014 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;19 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.6677 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;646 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.125 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;648 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.125 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;649 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3911.62 | XXXXXX | 6.0998 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;711 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;3 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;890 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3926.5 | XXXXXX | 6.5134 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;12 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4943 | XXXXXX | 6.5323 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;1 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 5.1176 | Retired | Unemployed | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;382 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.499 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;849 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1590 | XXXXXX | 7.724 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to 1/10/2014** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM<br>Total<br>Points<br>and Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1<br>Foreign National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Borrowers<br>Qualified<br>Through a<br>Non-Resident<br>Alien<br>Program** | **Residual<br>Income<br>Analysis in<br>File** | **ATR/<br>QM<br>Residual<br>Income** |
| &nbsp;&nbsp;&nbsp;1120 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.7846 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;1115 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1200 | XXXXXX | 6.5429 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;1114 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.9901 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;1131 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1053.53 | XXXXXX | 7.0023 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;1136 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;1097 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2325.63 | XXXXXX | 6.8523 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;408 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2534.5 | XXXXXX | 7.0815 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;1119 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2140 | XXXXXX | 6.3175 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;1092 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.9989 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;1132 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2570 | XXXXXX | 7.4715 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 0 |
| &nbsp;&nbsp;&nbsp;937 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.124 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;1133 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4134 | XXXXXX | 7.3074 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;927 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;1116 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9367.98 | XXXXXX | 6.7117 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;1065 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3602.5 | XXXXXX | 7.58 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;1104 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.624 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;855 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.49 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;1058 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2112.5 | XXXXXX | 6.6259 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;1134 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2466.8 | XXXXXX | 6.2444 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;189 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3627.5 | XXXXXX | 6.1597 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;398 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.9901 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;173 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.125 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;1137 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1350 | XXXXXX | 6.9294 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;906 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.49 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;1139 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2145 | XXXXXX | 6.6628 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;427 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;273 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 995 | XXXXXX | 6.661 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;54 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3257.5 | XXXXXX | 6.8532 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;1118 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1910 | XXXXXX | 7.3135 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;1024 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.124 | Unemployed | Employed | Permanent Resident Alien | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;1138 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2148.56 | XXXXXX | 7.0385 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;60 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;1105 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1640 | XXXXXX | 7.0363 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;1094 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.125 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;44 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.6275 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;28 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.624 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;241 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.625 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;1062 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2722.5 | XXXXXX | 6.2388 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;1125 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.49 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;1023 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1685 | XXXXXX | 6.8951 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;284 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;327 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.124 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;67 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.124 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;161 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1995 | XXXXXX | 6.5475 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;454 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2183.79 | XXXXXX | 6.6888 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;929 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1900 | XXXXXX | 7.4061 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;1107 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;1109 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1684 | XXXXXX | 6.9493 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;1110 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;89 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.124 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;69 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.941 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;943 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;102 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.6691 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;1060 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.4901 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;452 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;104 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.1884 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;946 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.1251 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;413 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1640 | XXXXXX | 6.6811 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;72 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 4995 | XXXXXX | 6.3416 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;25 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;442 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1095 | XXXXXX | 6.6779 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;21 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.49 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;922 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 3209 | XXXXXX | 6.4339 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;292 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.9199 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;1044 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1325 | XXXXXX | 6.4412 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;1126 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.1251 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;1135 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;898 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1595 | XXXXXX | 6.5909 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;481 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.875 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;944 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5738 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;174 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;410 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.25 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;1019 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2707.75 | XXXXXX | 6.3016 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;329 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.124 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;900 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.6278 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;1076 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1700 | XXXXXX | 6.525 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;58 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.7849 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;150 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 4719.63 | XXXXXX | 7.6068 | Employed | Unemployed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;94 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1650 | XXXXXX | 6.5177 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;632 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 4.875 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;1022 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4101.33 | XXXXXX | 7.7152 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 6448.93 |
| &nbsp;&nbsp;&nbsp;1096 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1395 | XXXXXX | 6.5769 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;110 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;62 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1695 | XXXXXX | 7.4841 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;195 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 0 | XXXXXX | 5.9723 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;155 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 5.9718 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;544 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.125 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;395 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2350.27 | XXXXXX | 7.123 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;140 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1390 | XXXXXX | 7.0563 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;684 | XXXXXX | QM: Rebuttable Presumption (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1200 | XXXXXX | 7.6709 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;508 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;326 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1995 | XXXXXX | 6.645 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;175 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.125 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;187 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6300 | XXXXXX | 6.1432 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;453 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.1798 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |

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| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to 1/10/2014** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM<br>Total<br>Points<br>and Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1<br>Foreign National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Borrowers<br>Qualified<br>Through a<br>Non-Resident<br>Alien<br>Program** | **Residual<br>Income<br>Analysis in<br>File** | **ATR/<br>QM<br>Residual<br>Income** |
| &nbsp;&nbsp;&nbsp;165 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.124 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;1017 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.0312 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;157 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1640 | XXXXXX | 6.7117 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;153 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.9989 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;33 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.124 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;401 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1472.5 | XXXXXX | 6.6233 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;915 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6682.66 | XXXXXX | 6.2855 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;68 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;596 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 895 | XXXXXX | 6.2118 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;896 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.75 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;892 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1490 | XXXXXX | 6.3126 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;325 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2625 | XXXXXX | 6.7335 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;583 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.49 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;518 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.9901 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;86 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1939 | XXXXXX | 6.1549 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;686 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.125 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;902 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1835 | XXXXXX | 6.7247 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;446 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.124 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;55 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;444 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.9901 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;744 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1595 | XXXXXX | 6.0678 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;675 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.75 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;668 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2411.58 | XXXXXX | 6.6688 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;682 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.1747 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;610 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;942 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.5001 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;160 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.875 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;680 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.124 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;324 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1845 | XXXXXX | 6.6861 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;353 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.624 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;1030 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 700 | XXXXXX | 6.5158 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;154 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3345.26 | XXXXXX | 7.3718 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;746 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 2139.31 | XXXXXX | 7.2369 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;163 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.7121 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;669 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 975.05 | XXXXXX | 6.4337 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;38 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.981 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;795 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2801.25 | XXXXXX | 7.1647 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;886 | XXXXXX | QM: Rebuttable Presumption (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 430 | XXXXXX | 7.6778 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;661 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 5.6251 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;674 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.9901 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;747 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;330 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.422 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;440 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1295 | XXXXXX | 6.6955 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;1012 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.49 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;428 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.124 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;920 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.5 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;663 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.99 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;992 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.49 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;521 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.75 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;677 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.99 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;787 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3844.25 | XXXXXX | 6.5796 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;619 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.5599 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;903 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 16159 | XXXXXX | 6.3933 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;916 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.9901 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;912 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;331 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;908 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1590 | XXXXXX | 6.7251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;1000 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;166 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.25 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;895 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3519.94 | XXXXXX | 7.1033 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;85 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.124 | Employed | Employed | Non-Permanent Resident Alien | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;847 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.124 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;295 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.624 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;673 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4551.56 | XXXXXX | 6.1935 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;611 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.124 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;1061 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.49 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;901 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1698 | XXXXXX | 6.8012 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;276 | XXXXXX | QM: Rebuttable Presumption (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4784.72 | XXXXXX | 8.1213 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | Yes | 9202.36 |
| &nbsp;&nbsp;&nbsp;1025 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.043 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;265 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;690 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3871.33 | XXXXXX | 6.2851 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;51 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 4.99 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;14 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;162 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1713.5 | XXXXXX | 6.4461 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;994 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.125 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;612 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.9901 | Retired | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;856 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.99 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;281 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.624 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;432 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.49 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;984 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 0 | XXXXXX | 6.5806 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;667 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;169 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1424 | XXXXXX | 6.5688 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;858 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7014.05 | XXXXXX | 7.0487 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;1006 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.624 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;1048 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1395 | XXXXXX | 6.4317 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;1041 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.875 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;1059 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.25 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;88 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1515 | XXXXXX | 6.9219 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;1074 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1450 | XXXXXX | 7.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;887 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8087.5 | XXXXXX | 7.1374 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;1016 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 5570.33 | XXXXXX | 6.1946 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;1086 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;633 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;120 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;613 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;1040 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;352 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1550 | XXXXXX | 6.5309 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;135 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;576 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3641 | XXXXXX | 6.6675 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;1032 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5486.53 | XXXXXX | 6.5268 | Employed | Employed | U.S. Citizen | Non-Permanent Resident Alien | (No Data) | No | 0 |

---

------

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to 1/10/2014** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM<br>Total<br>Points<br>and Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1<br>Foreign National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Borrowers<br>Qualified<br>Through a<br>Non-Resident<br>Alien<br>Program** | **Residual<br>Income<br>Analysis in<br>File** | **ATR/<br>QM<br>Residual<br>Income** |
| &nbsp;&nbsp;&nbsp;883 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.125 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;993 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.125 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;999 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1045 | XXXXXX | 6.7784 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;1056 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;227 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.499 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;1021 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7361.88 | XXXXXX | 6.8197 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;743 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;1063 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.25 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;1052 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;386 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.5 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;13 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.375 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;1085 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3550.75 | XXXXXX | 7.3176 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;1039 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1195 | XXXXXX | 6.579 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;20 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;1045 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1395 | XXXXXX | 6.4111 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;63 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 4.99 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;191 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;182 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.124 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;39 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.25 | Employed | Unemployed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;66 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.9901 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;528 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8826 | XXXXXX | 6.4833 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;26 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1245 | XXXXXX | 6.6635 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;358 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1685.9 | XXXXXX | 7.0247 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;27 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2236.65 | XXXXXX | 6.4745 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;84 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.25 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;1080 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1157.48 | XXXXXX | 7.1866 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;621 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.9801 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;35 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.25 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;655 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3210.5 | XXXXXX | 5.9771 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;96 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4091.25 | XXXXXX | 6.6475 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;107 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;279 | XXXXXX | QM: Rebuttable Presumption (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 7.7421 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;119 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.1593 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;124 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;396 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 4.99 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;123 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6 | Employed | Unemployed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;118 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;152 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;343 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.3724 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;136 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.125 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;289 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1323 | XXXXXX | 7.2695 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;234 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 60 | XXXXXX | 6.3948 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;267 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1418 | XXXXXX | 6.4486 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;418 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.1251 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;291 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.75 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;258 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;422 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2220 | XXXXXX | 6.7128 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;620 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;388 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.125 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;298 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7 | Retired | Unemployed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;245 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6758.63 | XXXXXX | 7.137 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;491 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.2891 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;233 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1390 | XXXXXX | 6.5322 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;283 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.5655 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;272 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.25 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;296 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.125 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;270 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;351 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.49 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;290 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.8006 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;342 | XXXXXX | ATR/QM: Status Pending | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.5504 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;767 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.49 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;737 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1295 | XXXXXX | 6.0316 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;261 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7314.2 | XXXXXX | 6.6345 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;255 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3457.5 | XXXXXX | 6.8449 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;300 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;421 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1485 | XXXXXX | 7.309 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;264 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.125 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;315 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1690 | XXXXXX | 6.2225 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;417 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2080 | XXXXXX | 6.6455 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;482 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.99 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;364 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.5 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;483 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.125 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |

---

------

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to 1/10/2014** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM<br>Total<br>Points<br>and Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1<br>Foreign National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Borrowers<br>Qualified<br>Through a<br>Non-Resident<br>Alien<br>Program** | **Residual<br>Income<br>Analysis in<br>File** | **ATR/<br>QM<br>Residual<br>Income** |
| &nbsp;&nbsp;&nbsp;256 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1440 | XXXXXX | 6.146 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;287 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 4440 | XXXXXX | 6.1459 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;420 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.625 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;497 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;485 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2153 | XXXXXX | 6.1905 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;554 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 2366.7 | XXXXXX | 6.9585 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;416 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2155.5 | XXXXXX | 5.9115 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;799 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.1251 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;336 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4140 | XXXXXX | 7.1254 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;405 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;774 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1675 | XXXXXX | 6.7054 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;546 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.124 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;354 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1650 | XXXXXX | 7.014 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;317 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4992.99 | XXXXXX | 6.6797 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;523 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;361 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;419 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.0559 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;600 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.124 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;357 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.1251 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;318 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.124 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;310 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.624 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;745 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.124 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;311 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;400 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.124 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;741 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 2847.07 | XXXXXX | 6.4681 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;363 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.625 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;411 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;391 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;503 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.875 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;532 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.25 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;602 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.124 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;527 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8505 | XXXXXX | 6.9455 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;498 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1375 | XXXXXX | 6.6863 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;568 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2040.8 | XXXXXX | 6.5667 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;458 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5660.6 | XXXXXX | 6.8004 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;431 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 7305 | XXXXXX | 6.8969 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;390 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.49 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;487 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;502 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;499 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.5468 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;484 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5299.06 | XXXXXX | 6.4916 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;486 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3237 | XXXXXX | 5.9452 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;588 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.875 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;590 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4130 | XXXXXX | 6.5153 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;490 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.9901 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;507 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;771 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;517 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;585 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.375 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;584 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.375 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;581 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.125 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;629 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6 | Employed | Unemployed | Permanent Resident Alien | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;551 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.124 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;728 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7257.5 | XXXXXX | 6.424 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;587 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;519 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.7551 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;601 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.124 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;548 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.125 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;542 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2188.6 | XXXXXX | 6.4785 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;599 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.5 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;589 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.625 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;567 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;575 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.163 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;735 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5445 | XXXXXX | 7.1949 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;740 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;826 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.1567 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;717 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.125 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;773 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;838 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.9901 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;839 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 937 | XXXXXX | 6.9635 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;772 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4548.38 | XXXXXX | 7.0215 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;776 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1388.75 | XXXXXX | 6.6189 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;811 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.0501 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;768 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.45 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;723 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.125 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;785 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;823 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.4139 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;731 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.49 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;765 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.5 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;840 | XXXXXX | QM: Rebuttable Presumption (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3318.85 | XXXXXX | 7.6858 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;791 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.1404 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;761 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1895 | XXXXXX | 6.5481 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;806 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.125 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;833 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6976.92 | XXXXXX | 6.892 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;841 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1750 | XXXXXX | 6.3037 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;783 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.124 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;784 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.003 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;842 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1865 | XXXXXX | 6.6045 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;828 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2060.69 | XXXXXX | 6.4554 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;845 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;16 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.125 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;802 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1895 | XXXXXX | 6.056 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;818 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.9901 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;832 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.1673 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;809 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1475 | XXXXXX | 6.7579 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;798 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.9901 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |

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

## Exhibit 99.4

**EXHIBIT 99.4** 

**CLAYTON LOAN LEVEL TAPE COMPARE UPLOAD** 

------

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| | |
|:---|:---|
| **Client Name:** | PennyMac |
| **Client Project Name:** | PNMAC PMTLT 2026-INV5_ J16768 |
| **Loan Level Tape Compare Upload** |  |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower**<br> **Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;972 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;970 | XXXXXX | XXXXXX | Borrower 1 Self Employed Flag | No | Yes |
| &nbsp;&nbsp;&nbsp;970 | XXXXXX | XXXXXX | Cash Reserves | 4261328.66 | 2296819.48 |
| &nbsp;&nbsp;&nbsp;970 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;973 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;973 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;981 | XXXXXX | XXXXXX | Cash Reserves | 538418.07 | 1410827.74 |
| &nbsp;&nbsp;&nbsp;981 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;211 | XXXXXX | XXXXXX | Cash Reserves | 131164.97 | 187560.69 |
| &nbsp;&nbsp;&nbsp;211 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;211 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 45.7200 | 41.1705 |
| &nbsp;&nbsp;&nbsp;211 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;1009 | XXXXXX | XXXXXX | Cash Reserves | 80747.88 | 35727.91 |
| &nbsp;&nbsp;&nbsp;1009 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;1009 | XXXXXX | XXXXXX | Product Type | 30 Yr Fixed | 25 Yr Fixed |
| &nbsp;&nbsp;&nbsp;781 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;781 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;863 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;863 | XXXXXX | XXXXXX | Product Type | 30 Yr Fixed | 28 Yr Conventional |
| &nbsp;&nbsp;&nbsp;952 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;952 | XXXXXX | XXXXXX | Cash Reserves | 518835.01 | 1686252.87 |
| &nbsp;&nbsp;&nbsp;115 | XXXXXX | XXXXXX | Cash Reserves | 318855.70 | 39274.09 |
| &nbsp;&nbsp;&nbsp;115 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;115 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;200 | XXXXXX | XXXXXX | Cash Reserves | 72556.49 | 234337.79 |
| &nbsp;&nbsp;&nbsp;971 | XXXXXX | XXXXXX | Cash Reserves | 136260.41 | 28511.67 |
| &nbsp;&nbsp;&nbsp;971 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;77 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;77 | XXXXXX | XXXXXX | Cash Reserves | 1590216.04 | 1998631.90 |
| &nbsp;&nbsp;&nbsp;77 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;77 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;1067 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;555 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;555 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 16.0120 | 27.3694 |
| &nbsp;&nbsp;&nbsp;555 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;877 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;1034 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 38.9530 | 33.1708 |
| &nbsp;&nbsp;&nbsp;1034 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;79 | XXXXXX | XXXXXX | Cash Reserves | 130044.58 | 70637.80 |
| &nbsp;&nbsp;&nbsp;958 | XXXXXX | XXXXXX | Borrower 1 Total Income | 15385.07 | 20446.31 |
| &nbsp;&nbsp;&nbsp;958 | XXXXXX | XXXXXX | Cash Reserves | 204024.27 | 9298.54 |
| &nbsp;&nbsp;&nbsp;958 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;862 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;980 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;868 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;868 | XXXXXX | XXXXXX | Product Type | 30 Yr Fixed | 29 Yr Conventional |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower**<br> **Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;76 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;962 | XXXXXX | XXXXXX | Cash Reserves | 192666.76 | 43064.73 |
| &nbsp;&nbsp;&nbsp;962 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;1072 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;5 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;5 | XXXXXX | XXXXXX | Borrower 1 Total Income | 28637.20 | 63705.00 |
| &nbsp;&nbsp;&nbsp;5 | XXXXXX | XXXXXX | Cash Reserves | 866796.02 | 572563.25 |
| &nbsp;&nbsp;&nbsp;5 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 27.1440 | 14.0724 |
| &nbsp;&nbsp;&nbsp;5 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;5 | XXXXXX | XXXXXX | Total Monthly Income | 44951.79 | 79699.00 |
| &nbsp;&nbsp;&nbsp;1033 | XXXXXX | XXXXXX | Cash Reserves | 294289.33 | 60986.69 |
| &nbsp;&nbsp;&nbsp;220 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;1071 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;81 | XXXXXX | XXXXXX | Cash Reserves | 106657.44 | 16768.62 |
| &nbsp;&nbsp;&nbsp;81 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;81 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;380 | XXXXXX | XXXXXX | Cash Reserves | 160815.39 | 93367.92 |
| &nbsp;&nbsp;&nbsp;754 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;754 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;377 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;692 | XXXXXX | XXXXXX | Cash Reserves | 169233.47 | 84048.14 |
| &nbsp;&nbsp;&nbsp;692 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 27.4230 | 35.2337 |
| &nbsp;&nbsp;&nbsp;692 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;303 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;1036 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;224 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;224 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;469 | XXXXXX | XXXXXX | Borrower 1 Total Income | 4473.62 | 9235.71 |
| &nbsp;&nbsp;&nbsp;469 | XXXXXX | XXXXXX | Cash Reserves | 139030.18 | 58879.97 |
| &nbsp;&nbsp;&nbsp;379 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;201 | XXXXXX | XXXXXX | Borrower 1 Total Income | 1.00 | 74752.83 |
| &nbsp;&nbsp;&nbsp;201 | XXXXXX | XXXXXX | Cash Reserves | 537734.85 | 356089.19 |
| &nbsp;&nbsp;&nbsp;201 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;201 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| &nbsp;&nbsp;&nbsp;219 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;219 | XXXXXX | XXXXXX | Cash Reserves | 160652.31 | 25252.54 |
| &nbsp;&nbsp;&nbsp;626 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;626 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;626 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;333 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;333 | XXXXXX | XXXXXX | Cash Reserves | 156326.60 | 29905.39 |
| &nbsp;&nbsp;&nbsp;333 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;465 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;708 | XXXXXX | XXXXXX | Cash Reserves | 438186.99 | 271516.71 |
| &nbsp;&nbsp;&nbsp;708 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;756 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower**<br> **Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;757 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;757 | XXXXXX | XXXXXX | Cash Reserves | 294490.34 | 709274.15 |
| &nbsp;&nbsp;&nbsp;470 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;710 | XXXXXX | XXXXXX | Cash Reserves | 199748.99 | 290469.28 |
| &nbsp;&nbsp;&nbsp;693 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;693 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;116 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;1037 | XXXXXX | XXXXXX | Borrower 1 Total Income | 2869.32 | 10070.45 |
| &nbsp;&nbsp;&nbsp;1037 | XXXXXX | XXXXXX | Cash Reserves | 128659.61 | 33862.52 |
| &nbsp;&nbsp;&nbsp;516 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;516 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 39.7010 | 36.1125 |
| &nbsp;&nbsp;&nbsp;1069 | XXXXXX | XXXXXX | Cash Reserves | 461247.04 | 201388.93 |
| &nbsp;&nbsp;&nbsp;511 | XXXXXX | XXXXXX | Cash Reserves | 58391.06 | 29799.64 |
| &nbsp;&nbsp;&nbsp;976 | XXXXXX | XXXXXX | Borrower 1 Total Income | 7087.75 | 12092.04 |
| &nbsp;&nbsp;&nbsp;976 | XXXXXX | XXXXXX | Cash Reserves | 87192.39 | 30834.18 |
| &nbsp;&nbsp;&nbsp;976 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;640 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;6 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;963 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;641 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;641 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;471 | XXXXXX | XXXXXX | Borrower 1 Self Employed Flag | Yes | No |
| &nbsp;&nbsp;&nbsp;471 | XXXXXX | XXXXXX | Cash Reserves | 28779.37 | 48892.65 |
| &nbsp;&nbsp;&nbsp;471 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;860 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;860 | XXXXXX | XXXXXX | First Payment Date | 03/01/2026 | 04/01/2026 |
| &nbsp;&nbsp;&nbsp;860 | XXXXXX | XXXXXX | Maturity Date | 02/01/2056 | 03/01/2056 |
| &nbsp;&nbsp;&nbsp;642 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;643 | XXXXXX | XXXXXX | Cash Reserves | 115034.63 | 69680.41 |
| &nbsp;&nbsp;&nbsp;645 | XXXXXX | XXXXXX | Cash Reserves | 184337.42 | 125039.58 |
| &nbsp;&nbsp;&nbsp;645 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;381 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;381 | XXXXXX | XXXXXX | Maturity Date | 03/01/2056 | 04/01/2056 |
| &nbsp;&nbsp;&nbsp;646 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;646 | XXXXXX | XXXXXX | Borrower 1 Total Income | 8911.33 | 12282.45 |
| &nbsp;&nbsp;&nbsp;646 | XXXXXX | XXXXXX | Cash Reserves | 34179.45 | 134150.07 |
| &nbsp;&nbsp;&nbsp;646 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 33.0740 | 28.1829 |
| &nbsp;&nbsp;&nbsp;646 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;648 | XXXXXX | XXXXXX | Cash Reserves | 170735.37 | 28723.32 |
| &nbsp;&nbsp;&nbsp;648 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;649 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;649 | XXXXXX | XXXXXX | Cash Reserves | 438449.24 | 63353.34 |
| &nbsp;&nbsp;&nbsp;711 | XXXXXX | XXXXXX | Cash Reserves | 82831.69 | 28590.13 |
| &nbsp;&nbsp;&nbsp;711 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 42.8790 | 59.9649 |
| &nbsp;&nbsp;&nbsp;711 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;3 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | 1004 SFR (Mar 05) |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower**<br> **Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;3 | XXXXXX | XXXXXX | Borrower 1 Total Income | 18564.00 | 38747.26 |
| &nbsp;&nbsp;&nbsp;890 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;12 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;1 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;1 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 47.6328 | 42.7266 |
| &nbsp;&nbsp;&nbsp;382 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;382 | XXXXXX | XXXXXX | Cash Reserves | 50834.04 | 338665.90 |
| &nbsp;&nbsp;&nbsp;382 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;1097 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 49.4570 | 44.8304 |
| &nbsp;&nbsp;&nbsp;408 | XXXXXX | XXXXXX | Cash Reserves | 33580.97 | 10999.23 |
| &nbsp;&nbsp;&nbsp;937 | XXXXXX | XXXXXX | Cash Reserves | 142624.35 | 499655.02 |
| &nbsp;&nbsp;&nbsp;927 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;927 | XXXXXX | XXXXXX | Cash Reserves | 312233.73 | 145784.24 |
| &nbsp;&nbsp;&nbsp;1065 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 48.4870 | 41.2707 |
| &nbsp;&nbsp;&nbsp;855 | XXXXXX | XXXXXX | Cash Reserves | 96790.76 | 41169.68 |
| &nbsp;&nbsp;&nbsp;855 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;1058 | XXXXXX | XXXXXX | Cash Reserves | 752756.00 | 468154.82 |
| &nbsp;&nbsp;&nbsp;1058 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;1058 | XXXXXX | XXXXXX | Representative Credit Score for Grading | 802 | 777 |
| &nbsp;&nbsp;&nbsp;189 | XXXXXX | XXXXXX | Property Type | Rowhouse | SFR-Attached |
| &nbsp;&nbsp;&nbsp;173 | XXXXXX | XXXXXX | Cash Reserves | 572991.79 | 152159.76 |
| &nbsp;&nbsp;&nbsp;427 | XXXXXX | XXXXXX | Cash Reserves | 137471.22 | 47975.75 |
| &nbsp;&nbsp;&nbsp;427 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 32.3200 | 27.8810 |
| &nbsp;&nbsp;&nbsp;427 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;1024 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;1024 | XXXXXX | XXXXXX | Cash Reserves | 349740.72 | 223008.30 |
| &nbsp;&nbsp;&nbsp;1024 | XXXXXX | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| &nbsp;&nbsp;&nbsp;60 | XXXXXX | XXXXXX | Cash Reserves | 234093.94 | 44213.56 |
| &nbsp;&nbsp;&nbsp;28 | XXXXXX | XXXXXX | Cash Reserves | 137881.07 | 184563.00 |
| &nbsp;&nbsp;&nbsp;241 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;241 | XXXXXX | XXXXXX | Cash Reserves | 384340.49 | 214599.01 |
| &nbsp;&nbsp;&nbsp;1062 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;1062 | XXXXXX | XXXXXX | Borrower 1 Total Income | 7764.00 | 10949.50 |
| &nbsp;&nbsp;&nbsp;1062 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 32.9210 | 17.6933 |
| &nbsp;&nbsp;&nbsp;1062 | XXXXXX | XXXXXX | Property Type | Rowhouse | Low Rise Condo (1-4) |
| &nbsp;&nbsp;&nbsp;1023 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 27.2160 | 32.6517 |
| &nbsp;&nbsp;&nbsp;1023 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;284 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;284 | XXXXXX | XXXXXX | Borrower 1 Self Employed Flag | Yes | No |
| &nbsp;&nbsp;&nbsp;327 | XXXXXX | XXXXXX | Cash Reserves | 77481.40 | 39455.23 |
| &nbsp;&nbsp;&nbsp;67 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;454 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;454 | XXXXXX | XXXXXX | Cash Reserves | 100000.00 | 9595.80 |
| &nbsp;&nbsp;&nbsp;929 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 16.3080 | 11.2127 |
| &nbsp;&nbsp;&nbsp;89 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;89 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 41.0050 | 36.8484 |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower**<br> **Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;943 | XXXXXX | XXXXXX | Cash Reserves | 211564.24 | 105935.27 |
| &nbsp;&nbsp;&nbsp;943 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;102 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;102 | XXXXXX | XXXXXX | Cash Reserves | 460792.02 | 272211.59 |
| &nbsp;&nbsp;&nbsp;102 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;452 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;452 | XXXXXX | XXXXXX | Cash Reserves | 133942.19 | 39689.43 |
| &nbsp;&nbsp;&nbsp;452 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;452 | XXXXXX | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| &nbsp;&nbsp;&nbsp;104 | XXXXXX | XXXXXX | Cash Reserves | 100412.50 | 37713.38 |
| &nbsp;&nbsp;&nbsp;104 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| &nbsp;&nbsp;&nbsp;946 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 40.4480 | 36.3855 |
| &nbsp;&nbsp;&nbsp;946 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;413 | XXXXXX | XXXXXX | Borrower 1 Self Employed Flag | Yes | No |
| &nbsp;&nbsp;&nbsp;413 | XXXXXX | XXXXXX | Borrower 1 Total Income | 46037.75 | 0.00 |
| &nbsp;&nbsp;&nbsp;413 | XXXXXX | XXXXXX | Borrower 2 Self Employed Flag | No | Yes |
| &nbsp;&nbsp;&nbsp;413 | XXXXXX | XXXXXX | Cash Reserves | 357119.02 | 226878.44 |
| &nbsp;&nbsp;&nbsp;72 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;72 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 49.7080 | 45.0194 |
| &nbsp;&nbsp;&nbsp;442 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;21 | XXXXXX | XXXXXX | Cash Reserves | 245624.29 | 174406.69 |
| &nbsp;&nbsp;&nbsp;21 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;922 | XXXXXX | XXXXXX | Cash Reserves | 344240.08 | 132988.15 |
| &nbsp;&nbsp;&nbsp;292 | XXXXXX | XXXXXX | Cash Reserves | 112386.09 | 37441.45 |
| &nbsp;&nbsp;&nbsp;1044 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;1044 | XXXXXX | XXXXXX | Property Type | Rowhouse | Low Rise Condo (1-4) |
| &nbsp;&nbsp;&nbsp;898 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;481 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;174 | XXXXXX | XXXXXX | Cash Reserves | 510843.41 | 263412.10 |
| &nbsp;&nbsp;&nbsp;329 | XXXXXX | XXXXXX | Borrower 1 Total Income | 13184.96 | 0.00 |
| &nbsp;&nbsp;&nbsp;329 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 25.7600 | 17.1010 |
| &nbsp;&nbsp;&nbsp;329 | XXXXXX | XXXXXX | Total Monthly Income | 34184.97 | 21000.01 |
| &nbsp;&nbsp;&nbsp;900 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;1076 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;632 | XXXXXX | XXXXXX | Cash Reserves | 201559.61 | 51022.63 |
| &nbsp;&nbsp;&nbsp;1022 | XXXXXX | XXXXXX | Cash Reserves | 42488.62 | 8027.77 |
| &nbsp;&nbsp;&nbsp;1022 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;1096 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;110 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;110 | XXXXXX | XXXXXX | Cash Reserves | 564997.42 | 322053.34 |
| &nbsp;&nbsp;&nbsp;195 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;155 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;544 | XXXXXX | XXXXXX | Cash Reserves | 337440.86 | 1585307.12 |
| &nbsp;&nbsp;&nbsp;395 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;395 | XXXXXX | XXXXXX | Cash Reserves | 224691.96 | 137487.23 |
| &nbsp;&nbsp;&nbsp;140 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower**<br> **Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;140 | XXXXXX | XXXXXX | Product Type | 30 Yr Fixed | 25 Yr Fixed |
| &nbsp;&nbsp;&nbsp;508 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;508 | XXXXXX | XXXXXX | Cash Reserves | 17000.00 | 82337.66 |
| &nbsp;&nbsp;&nbsp;175 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;187 | XXXXXX | XXXXXX | Cash Reserves | 155251.30 | 6093.30 |
| &nbsp;&nbsp;&nbsp;165 | XXXXXX | XXXXXX | Cash Reserves | 986006.92 | 597779.23 |
| &nbsp;&nbsp;&nbsp;1017 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;157 | XXXXXX | XXXXXX | Borrower 1 Total Income | 6741.67 | 10846.67 |
| &nbsp;&nbsp;&nbsp;157 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;33 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;33 | XXXXXX | XXXXXX | Cash Reserves | 269805.81 | 175055.59 |
| &nbsp;&nbsp;&nbsp;401 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004C Manuf (Mar 05) |
| &nbsp;&nbsp;&nbsp;401 | XXXXXX | XXXXXX | Borrower 1 Last Name | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;401 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;401 | XXXXXX | XXXXXX | Property Type | SFR | Manufactured (Dbl) |
| &nbsp;&nbsp;&nbsp;915 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004C Manuf (Mar 05) |
| &nbsp;&nbsp;&nbsp;915 | XXXXXX | XXXXXX | Cash Reserves | 38138.80 | 20261.61 |
| &nbsp;&nbsp;&nbsp;915 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;915 | XXXXXX | XXXXXX | Property Type | SFR | Manufactured (Dbl) |
| &nbsp;&nbsp;&nbsp;68 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;68 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;896 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;896 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;325 | XXXXXX | XXXXXX | Borrower 2 Self Employed Flag | Yes | No |
| &nbsp;&nbsp;&nbsp;583 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;518 | XXXXXX | XXXXXX | Cash Reserves | 231376.88 | 96639.44 |
| &nbsp;&nbsp;&nbsp;86 | XXXXXX | XXXXXX | Cash Reserves | 1170072.18 | 571560.77 |
| &nbsp;&nbsp;&nbsp;86 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;686 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;902 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;446 | XXXXXX | XXXXXX | Cash Reserves | 589626.24 | 383247.17 |
| &nbsp;&nbsp;&nbsp;55 | XXXXXX | XXXXXX | Borrower 1 Self Employed Flag | Yes | No |
| &nbsp;&nbsp;&nbsp;444 | XXXXXX | XXXXXX | Cash Reserves | 233692.53 | 89156.19 |
| &nbsp;&nbsp;&nbsp;744 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;744 | XXXXXX | XXXXXX | Cash Reserves | 283906.30 | 102648.40 |
| &nbsp;&nbsp;&nbsp;682 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;682 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;942 | XXXXXX | XXXXXX | Cash Reserves | 540521.35 | 266147.15 |
| &nbsp;&nbsp;&nbsp;160 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;160 | XXXXXX | XXXXXX | Cash Reserves | 326124.61 | 221223.24 |
| &nbsp;&nbsp;&nbsp;680 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;324 | XXXXXX | XXXXXX | Borrower 1 Self Employed Flag | No | Yes |
| &nbsp;&nbsp;&nbsp;353 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;353 | XXXXXX | XXXXXX | Cash Reserves | 500000.00 | 783641.26 |
| &nbsp;&nbsp;&nbsp;163 | XXXXXX | XXXXXX | Cash Reserves | 132366.22 | 73279.82 |
| &nbsp;&nbsp;&nbsp;38 | XXXXXX | XXXXXX | Cash Reserves | 93503.57 | 62430.88 |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower**<br> **Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;795 | XXXXXX | XXXXXX | Borrower 2 Self Employed Flag | No | Yes |
| &nbsp;&nbsp;&nbsp;886 | XXXXXX | XXXXXX | Borrower 2 First Name | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;886 | XXXXXX | XXXXXX | Cash Reserves | 66708.41 | 25592.39 |
| &nbsp;&nbsp;&nbsp;661 | XXXXXX | XXXXXX | Cash Reserves | 227128.10 | 131333.58 |
| &nbsp;&nbsp;&nbsp;747 | XXXXXX | XXXXXX | Cash Reserves | 120856.62 | 53669.05 |
| &nbsp;&nbsp;&nbsp;1012 | XXXXXX | XXXXXX | Property Type | Rowhouse | SFR |
| &nbsp;&nbsp;&nbsp;428 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;920 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;920 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;663 | XXXXXX | XXXXXX | Cash Reserves | 266732.70 | 182670.80 |
| &nbsp;&nbsp;&nbsp;521 | XXXXXX | XXXXXX | Cash Reserves | 644005.03 | 300471.18 |
| &nbsp;&nbsp;&nbsp;619 | XXXXXX | XXXXXX | Product Type | 30 Yr Fixed | 25 Yr Fixed |
| &nbsp;&nbsp;&nbsp;903 | XXXXXX | XXXXXX | Cash Reserves | 223124.47 | 85697.98 |
| &nbsp;&nbsp;&nbsp;903 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;916 | XXXXXX | XXXXXX | Cash Reserves | 272859.59 | 36691.16 |
| &nbsp;&nbsp;&nbsp;912 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;331 | XXXXXX | XXXXXX | Cash Reserves | 167417.58 | 47886.56 |
| &nbsp;&nbsp;&nbsp;908 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;1000 | XXXXXX | XXXXXX | Cash Reserves | 152771.16 | 64081.54 |
| &nbsp;&nbsp;&nbsp;166 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;166 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;895 | XXXXXX | XXXXXX | Cash Reserves | 174398.20 | 105654.17 |
| &nbsp;&nbsp;&nbsp;85 | XXXXXX | XXXXXX | Cash Reserves | 324124.69 | 226354.32 |
| &nbsp;&nbsp;&nbsp;847 | XXXXXX | XXXXXX | Cash Reserves | 502415.00 | 239448.16 |
| &nbsp;&nbsp;&nbsp;295 | XXXXXX | XXXXXX | Cash Reserves | 156625.79 | 78392.19 |
| &nbsp;&nbsp;&nbsp;295 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;1061 | XXXXXX | XXXXXX | Cash Reserves | 213829.21 | 79654.73 |
| &nbsp;&nbsp;&nbsp;276 | XXXXXX | XXXXXX | Cash Reserves | 132736.40 | 69518.43 |
| &nbsp;&nbsp;&nbsp;1025 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;265 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;265 | XXXXXX | XXXXXX | Cash Reserves | 201720.38 | 103829.49 |
| &nbsp;&nbsp;&nbsp;265 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 36.8460 | 44.7785 |
| &nbsp;&nbsp;&nbsp;690 | XXXXXX | XXXXXX | Cash Reserves | 587310.52 | 350998.64 |
| &nbsp;&nbsp;&nbsp;14 | XXXXXX | XXXXXX | Cash Reserves | 116129.07 | 76381.33 |
| &nbsp;&nbsp;&nbsp;162 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;162 | XXXXXX | XXXXXX | Cash Reserves | 430316.06 | 261690.20 |
| &nbsp;&nbsp;&nbsp;994 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;994 | XXXXXX | XXXXXX | Cash Reserves | 185433.93 | 62248.94 |
| &nbsp;&nbsp;&nbsp;856 | XXXXXX | XXXXXX | Cash Reserves | 590350.91 | 297993.54 |
| &nbsp;&nbsp;&nbsp;281 | XXXXXX | XXXXXX | Cash Reserves | 172062.98 | 92353.31 |
| &nbsp;&nbsp;&nbsp;281 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;281 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;432 | XXXXXX | XXXXXX | Cash Reserves | 211442.16 | 125795.09 |
| &nbsp;&nbsp;&nbsp;984 | XXXXXX | XXXXXX | Cash Reserves | 49322.44 | 31746.95 |
| &nbsp;&nbsp;&nbsp;1006 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;1006 | XXXXXX | XXXXXX | Cash Reserves | 117578.60 | 39043.51 |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower**<br> **Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;1048 | XXXXXX | XXXXXX | Cash Reserves | 176642.15 | 71202.02 |
| &nbsp;&nbsp;&nbsp;1059 | XXXXXX | XXXXXX | Cash Reserves | 147262.81 | 46584.69 |
| &nbsp;&nbsp;&nbsp;1059 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;887 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;887 | XXXXXX | XXXXXX | Cash Reserves | 287461.25 | 47676.48 |
| &nbsp;&nbsp;&nbsp;1016 | XXXXXX | XXXXXX | Cash Reserves | 172025.23 | 47320.20 |
| &nbsp;&nbsp;&nbsp;1016 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;1086 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;1086 | XXXXXX | XXXXXX | Cash Reserves | 214450.12 | 80614.15 |
| &nbsp;&nbsp;&nbsp;120 | XXXXXX | XXXXXX | Borrower 1 Total Income | 9065.21 | 18870.79 |
| &nbsp;&nbsp;&nbsp;120 | XXXXXX | XXXXXX | Cash Reserves | 68787.04 | 15448.29 |
| &nbsp;&nbsp;&nbsp;613 | XXXXXX | XXXXXX | Cash Reserves | 142039.37 | 66920.98 |
| &nbsp;&nbsp;&nbsp;613 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;1040 | XXXXXX | XXXXXX | Borrower 1 Total Income | 9485.00 | 13210.33 |
| &nbsp;&nbsp;&nbsp;352 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;352 | XXXXXX | XXXXXX | Cash Reserves | 832832.69 | 594170.68 |
| &nbsp;&nbsp;&nbsp;576 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;1032 | XXXXXX | XXXXXX | Cash Reserves | 179685.05 | 119003.19 |
| &nbsp;&nbsp;&nbsp;883 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;883 | XXXXXX | XXXXXX | Cash Reserves | 230357.12 | 107499.02 |
| &nbsp;&nbsp;&nbsp;883 | XXXXXX | XXXXXX | Property Type | Rowhouse | Low Rise Condo (1-4) |
| &nbsp;&nbsp;&nbsp;993 | XXXXXX | XXXXXX | Cash Reserves | 169836.05 | 77875.92 |
| &nbsp;&nbsp;&nbsp;1056 | XXXXXX | XXXXXX | Cash Reserves | 248426.93 | 138931.49 |
| &nbsp;&nbsp;&nbsp;1056 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;227 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;227 | XXXXXX | XXXXXX | Cash Reserves | 37357.11 | 219643.06 |
| &nbsp;&nbsp;&nbsp;743 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;743 | XXXXXX | XXXXXX | Cash Reserves | 472034.79 | 118966.39 |
| &nbsp;&nbsp;&nbsp;1063 | XXXXXX | XXXXXX | Borrower 1 Total Income | 15864.33 | 71179.85 |
| &nbsp;&nbsp;&nbsp;1052 | XXXXXX | XXXXXX | Cash Reserves | 310660.00 | 223290.05 |
| &nbsp;&nbsp;&nbsp;386 | XXXXXX | XXXXXX | Cash Reserves | 425406.69 | 297784.68 |
| &nbsp;&nbsp;&nbsp;386 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;386 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;1039 | XXXXXX | XXXXXX | Cash Reserves | 138306.38 | 38703.52 |
| &nbsp;&nbsp;&nbsp;20 | XXXXXX | XXXXXX | Cash Reserves | 549861.30 | 380258.38 |
| &nbsp;&nbsp;&nbsp;1045 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;63 | XXXXXX | XXXXXX | Cash Reserves | 299210.83 | 104500.33 |
| &nbsp;&nbsp;&nbsp;191 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;182 | XXXXXX | XXXXXX | Cash Reserves | 139224.66 | 38614.89 |
| &nbsp;&nbsp;&nbsp;182 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;39 | XXXXXX | XXXXXX | Cash Reserves | 150895.89 | 33434.28 |
| &nbsp;&nbsp;&nbsp;66 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;66 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;528 | XXXXXX | XXXXXX | Borrower 1 Total Income | 48450.13 | 65572.26 |
| &nbsp;&nbsp;&nbsp;528 | XXXXXX | XXXXXX | Cash Reserves | 126033.81 | 7539.17 |
| &nbsp;&nbsp;&nbsp;26 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1025 Multi-Fam (Mar 05) |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower**<br> **Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;358 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;358 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;84 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;84 | XXXXXX | XXXXXX | Cash Reserves | 185293.36 | 74363.20 |
| &nbsp;&nbsp;&nbsp;621 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;35 | XXXXXX | XXXXXX | Borrower 1 Self Employed Flag | Yes | No |
| &nbsp;&nbsp;&nbsp;35 | XXXXXX | XXXXXX | Borrower 1 Total Income | 7241.92 | 11110.22 |
| &nbsp;&nbsp;&nbsp;35 | XXXXXX | XXXXXX | Cash Reserves | 723028.00 | 470404.51 |
| &nbsp;&nbsp;&nbsp;96 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;96 | XXXXXX | XXXXXX | Cash Reserves | 311644.00 | 0.00 |
| &nbsp;&nbsp;&nbsp;107 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;107 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;279 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;119 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;119 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;124 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;124 | XXXXXX | XXXXXX | Cash Reserves | 57158.68 | 41619.11 |
| &nbsp;&nbsp;&nbsp;123 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;123 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;118 | XXXXXX | XXXXXX | Borrower 1 Total Income | 7453.80 | 11867.28 |
| &nbsp;&nbsp;&nbsp;118 | XXXXXX | XXXXXX | Cash Reserves | 76367.17 | 48663.46 |
| &nbsp;&nbsp;&nbsp;118 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 48.2720 | 40.7648 |
| &nbsp;&nbsp;&nbsp;152 | XXXXXX | XXXXXX | Cash Reserves | 73818.48 | 20159.99 |
| &nbsp;&nbsp;&nbsp;152 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 41.7160 | 48.0976 |
| &nbsp;&nbsp;&nbsp;343 | XXXXXX | XXXXXX | Cash Reserves | 147497.82 | 55388.67 |
| &nbsp;&nbsp;&nbsp;136 | XXXXXX | XXXXXX | Cash Reserves | 154008.31 | 246654.01 |
| &nbsp;&nbsp;&nbsp;289 | XXXXXX | XXXXXX | Cash Reserves | 184536.95 | 124297.61 |
| &nbsp;&nbsp;&nbsp;234 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;267 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;418 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;418 | XXXXXX | XXXXXX | Cash Reserves | 80613.45 | 29520.05 |
| &nbsp;&nbsp;&nbsp;291 | XXXXXX | XXXXXX | Cash Reserves | 224228.51 | 76373.07 |
| &nbsp;&nbsp;&nbsp;258 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;258 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 40.8340 | 37.1849 |
| &nbsp;&nbsp;&nbsp;620 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;620 | XXXXXX | XXXXXX | Borrower 1 Total Income | '-37364.73 | 63349.18 |
| &nbsp;&nbsp;&nbsp;620 | XXXXXX | XXXXXX | Cash Reserves | 2630980.76 | 768288.99 |
| &nbsp;&nbsp;&nbsp;620 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 34.2820 | 29.5951 |
| &nbsp;&nbsp;&nbsp;298 | XXXXXX | XXXXXX | Cash Reserves | 148058.00 | 22559.55 |
| &nbsp;&nbsp;&nbsp;245 | XXXXXX | XXXXXX | Borrower 1 Total Income | 13078.07 | 18140.34 |
| &nbsp;&nbsp;&nbsp;245 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 49.8190 | 44.3310 |
| &nbsp;&nbsp;&nbsp;245 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;233 | XXXXXX | XXXXXX | Combined LTV | 70.21 | 77.88 |
| &nbsp;&nbsp;&nbsp;233 | XXXXXX | XXXXXX | Original LTV | 70.21 | 77.88 |
| &nbsp;&nbsp;&nbsp;233 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;272 | XXXXXX | XXXXXX | Cash Reserves | 176877.51 | 33802.23 |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower**<br> **Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;351 | XXXXXX | XXXXXX | Cash Reserves | 253390.56 | 48422.98 |
| &nbsp;&nbsp;&nbsp;290 | XXXXXX | XXXXXX | Cash Reserves | 55404.42 | 16494.80 |
| &nbsp;&nbsp;&nbsp;342 | XXXXXX | XXXXXX | Cash Reserves | 92268.00 | 48997.72 |
| &nbsp;&nbsp;&nbsp;767 | XXXXXX | XXXXXX | Cash Reserves | 178290.17 | 16855.50 |
| &nbsp;&nbsp;&nbsp;261 | XXXXXX | XXXXXX | Borrower 1 Self Employed Flag | Yes | No |
| &nbsp;&nbsp;&nbsp;300 | XXXXXX | XXXXXX | Cash Reserves | 62914.17 | 43937.33 |
| &nbsp;&nbsp;&nbsp;421 | XXXXXX | XXXXXX | Borrower 1 Total Income | 22696.58 | 32260.17 |
| &nbsp;&nbsp;&nbsp;421 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 47.3740 | 34.8566 |
| &nbsp;&nbsp;&nbsp;421 | XXXXXX | XXXXXX | Total Monthly Income | 24138.28 | 33682.91 |
| &nbsp;&nbsp;&nbsp;264 | XXXXXX | XXXXXX | Cash Reserves | 236591.30 | 133925.33 |
| &nbsp;&nbsp;&nbsp;264 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;315 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;315 | XXXXXX | XXXXXX | Cash Reserves | 958562.40 | 643677.68 |
| &nbsp;&nbsp;&nbsp;417 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;417 | XXXXXX | XXXXXX | Cash Reserves | 104567.98 | 10230.90 |
| &nbsp;&nbsp;&nbsp;482 | XXXXXX | XXXXXX | Cash Reserves | 409786.24 | 249118.22 |
| &nbsp;&nbsp;&nbsp;482 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 43.7470 | 39.8395 |
| &nbsp;&nbsp;&nbsp;483 | XXXXXX | XXXXXX | Cash Reserves | 482325.89 | 289852.75 |
| &nbsp;&nbsp;&nbsp;483 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;287 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 39.9670 | 43.5583 |
| &nbsp;&nbsp;&nbsp;420 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;420 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 44.3200 | 40.3898 |
| &nbsp;&nbsp;&nbsp;497 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;485 | XXXXXX | XXXXXX | Cash Reserves | 198744.99 | 25107.86 |
| &nbsp;&nbsp;&nbsp;485 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;554 | XXXXXX | XXXXXX | Cash Reserves | 114818.64 | 41535.09 |
| &nbsp;&nbsp;&nbsp;416 | XXXXXX | XXXXXX | Cash Reserves | 329113.44 | 11263.93 |
| &nbsp;&nbsp;&nbsp;799 | XXXXXX | XXXXXX | Cash Reserves | 281946.35 | 197197.15 |
| &nbsp;&nbsp;&nbsp;405 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;405 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;774 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 42.0480 | 30.9390 |
| &nbsp;&nbsp;&nbsp;546 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;546 | XXXXXX | XXXXXX | Cash Reserves | 750152.00 | 528474.26 |
| &nbsp;&nbsp;&nbsp;354 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 42.4800 | 37.9171 |
| &nbsp;&nbsp;&nbsp;354 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;317 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;523 | XXXXXX | XXXXXX | Cash Reserves | 88111.14 | 20019.23 |
| &nbsp;&nbsp;&nbsp;361 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;361 | XXXXXX | XXXXXX | Cash Reserves | 189950.55 | 38311.92 |
| &nbsp;&nbsp;&nbsp;600 | XXXXXX | XXXXXX | Cash Reserves | 290000.00 | 189846.54 |
| &nbsp;&nbsp;&nbsp;357 | XXXXXX | XXXXXX | Cash Reserves | 250000.00 | 643216.72 |
| &nbsp;&nbsp;&nbsp;318 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;318 | XXXXXX | XXXXXX | Cash Reserves | 871258.20 | 609915.07 |
| &nbsp;&nbsp;&nbsp;318 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;318 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;310 | XXXXXX | XXXXXX | Borrower 1 Total Income | 13863.81 | 17704.35 |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower**<br> **Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;745 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;311 | XXXXXX | XXXXXX | Cash Reserves | 93776.94 | 43841.01 |
| &nbsp;&nbsp;&nbsp;311 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;400 | XXXXXX | XXXXXX | Cash Reserves | 66691.20 | 113909.94 |
| &nbsp;&nbsp;&nbsp;400 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 39.1200 | 45.5801 |
| &nbsp;&nbsp;&nbsp;741 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;741 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;363 | XXXXXX | XXXXXX | Cash Reserves | 311795.61 | 153806.14 |
| &nbsp;&nbsp;&nbsp;411 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 34.6120 | 46.2809 |
| &nbsp;&nbsp;&nbsp;391 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;391 | XXXXXX | XXXXXX | Cash Reserves | 175505.00 | 76590.02 |
| &nbsp;&nbsp;&nbsp;503 | XXXXXX | XXXXXX | Cash Reserves | 284947.72 | 84535.12 |
| &nbsp;&nbsp;&nbsp;532 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;602 | XXXXXX | XXXXXX | Cash Reserves | 317686.75 | 214201.70 |
| &nbsp;&nbsp;&nbsp;527 | XXXXXX | XXXXXX | Cash Reserves | 204865.34 | 135517.80 |
| &nbsp;&nbsp;&nbsp;568 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;458 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;458 | XXXXXX | XXXXXX | Property Type | Rowhouse | Low Rise Condo (1-4) |
| &nbsp;&nbsp;&nbsp;390 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;390 | XXXXXX | XXXXXX | Cash Reserves | 140155.89 | 32480.97 |
| &nbsp;&nbsp;&nbsp;487 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;502 | XXXXXX | XXXXXX | Cash Reserves | 188186.08 | 109379.59 |
| &nbsp;&nbsp;&nbsp;502 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;499 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;486 | XXXXXX | XXXXXX | Cash Reserves | 165092.77 | 2850.58 |
| &nbsp;&nbsp;&nbsp;588 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;590 | XXXXXX | XXXXXX | Cash Reserves | 30380.67 | 171786.71 |
| &nbsp;&nbsp;&nbsp;590 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;490 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;507 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;507 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;771 | XXXXXX | XXXXXX | Cash Reserves | 279781.46 | 145782.97 |
| &nbsp;&nbsp;&nbsp;517 | XXXXXX | XXXXXX | Cash Reserves | 237034.40 | 110913.66 |
| &nbsp;&nbsp;&nbsp;584 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 36.1120 | 42.1448 |
| &nbsp;&nbsp;&nbsp;584 | XXXXXX | XXXXXX | Property Type | Rowhouse | SFR-Attached |
| &nbsp;&nbsp;&nbsp;581 | XXXXXX | XXXXXX | Cash Reserves | 137703.76 | 1863476.97 |
| &nbsp;&nbsp;&nbsp;581 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;629 | XXXXXX | XXXXXX | Cash Reserves | 53972.25 | 72458.46 |
| &nbsp;&nbsp;&nbsp;728 | XXXXXX | XXXXXX | Borrower 1 Total Income | 10635.60 | 15506.81 |
| &nbsp;&nbsp;&nbsp;728 | XXXXXX | XXXXXX | Cash Reserves | 13334.99 | 7795.47 |
| &nbsp;&nbsp;&nbsp;587 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;587 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;519 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;548 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;542 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;599 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower**<br> **Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;589 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;575 | XXXXXX | XXXXXX | Cash Reserves | 20766.56 | 34012.17 |
| &nbsp;&nbsp;&nbsp;575 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 43.1950 | 38.7014 |
| &nbsp;&nbsp;&nbsp;575 | XXXXXX | XXXXXX | Original Appraisal Date | 05/13/2025 | 01/24/2026 |
| &nbsp;&nbsp;&nbsp;740 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;740 | XXXXXX | XXXXXX | Cash Reserves | 235099.49 | 104869.95 |
| &nbsp;&nbsp;&nbsp;826 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;826 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;717 | XXXXXX | XXXXXX | Cash Reserves | 281487.67 | 151797.09 |
| &nbsp;&nbsp;&nbsp;717 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;773 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;773 | XXXXXX | XXXXXX | Cash Reserves | 646968.16 | 447608.71 |
| &nbsp;&nbsp;&nbsp;838 | XXXXXX | XXXXXX | Min Number | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;838 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;839 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;776 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 Hybrid (Jul 20) |
| &nbsp;&nbsp;&nbsp;811 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;768 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;723 | XXXXXX | XXXXXX | Cash Reserves | 76461.37 | 116802.71 |
| &nbsp;&nbsp;&nbsp;785 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;785 | XXXXXX | XXXXXX | Representative Credit Score for Grading | 787 | 772 |
| &nbsp;&nbsp;&nbsp;823 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;731 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;731 | XXXXXX | XXXXXX | Cash Reserves | 381265.14 | 155797.59 |
| &nbsp;&nbsp;&nbsp;765 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 49.7410 | 41.8221 |
| &nbsp;&nbsp;&nbsp;840 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;840 | XXXXXX | XXXXXX | Borrower 1 Total Income | 3012.67 | 6330.67 |
| &nbsp;&nbsp;&nbsp;840 | XXXXXX | XXXXXX | Cash Reserves | 80925.31 | 26657.68 |
| &nbsp;&nbsp;&nbsp;761 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;761 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;806 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;833 | XXXXXX | XXXXXX | Cash Reserves | 47007.47 | 24762.57 |
| &nbsp;&nbsp;&nbsp;842 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;842 | XXXXXX | XXXXXX | Cash Reserves | 560288.42 | 377557.50 |
| &nbsp;&nbsp;&nbsp;828 | XXXXXX | XXXXXX | Cash Reserves | 208377.81 | 76323.35 |
| &nbsp;&nbsp;&nbsp;845 | XXXXXX | XXXXXX | Cash Reserves | 514378.74 | 191925.45 |
| &nbsp;&nbsp;&nbsp;16 | XXXXXX | XXXXXX | Cash Reserves | 136767.49 | 79102.47 |
| &nbsp;&nbsp;&nbsp;802 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;832 | XXXXXX | XXXXXX | Cash Reserves | 997765.47 | 1477741.01 |
| &nbsp;&nbsp;&nbsp;832 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;798 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 48.3910 | 43.7613 |
| &nbsp;&nbsp;&nbsp;1122 | XXXXXX | XXXXXX | Borrower 1 Total Income | 34086.23 | 43157.53 |
| &nbsp;&nbsp;&nbsp;1122 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 39.5220 | 25.6913 |
| &nbsp;&nbsp;&nbsp;1122 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;1122 | XXXXXX | XXXXXX | Total Monthly Income | 34086.23 | 43157.53 |
| &nbsp;&nbsp;&nbsp;1130 | XXXXXX | XXXXXX | Cash Reserves | 80108.36 | 27707.45 |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower**<br> **Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;1130 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;1103 | XXXXXX | XXXXXX | Borrower 1 Total Income | 2282.25 | 7382.50 |
| &nbsp;&nbsp;&nbsp;1103 | XXXXXX | XXXXXX | Cash Reserves | 244205.24 | 86781.27 |
| &nbsp;&nbsp;&nbsp;1103 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;1103 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 48.2190 | 39.7085 |
| &nbsp;&nbsp;&nbsp;1131 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;1132 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;1132 | XXXXXX | XXXXXX | Cash Reserves | 166060.00 | 253323.40 |
| &nbsp;&nbsp;&nbsp;1132 | XXXXXX | XXXXXX | Property Type | Rowhouse | Low Rise Condo (1-4) |
| &nbsp;&nbsp;&nbsp;1133 | XXXXXX | XXXXXX | AUS Grade Audit | Approve/Eligible DU/DO AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;1133 | XXXXXX | XXXXXX | Cash Reserves | 188786.77 | 73618.23 |
| &nbsp;&nbsp;&nbsp;1104 | XXXXXX | XXXXXX | Cash Reserves | 301580.00 | 81355.28 |
| &nbsp;&nbsp;&nbsp;1134 | XXXXXX | XXXXXX | Cash Reserves | 246496.80 | 595701.60 |
| &nbsp;&nbsp;&nbsp;1134 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;1125 | XXXXXX | XXXXXX | Cash Reserves | 299337.36 | 206284.55 |
| &nbsp;&nbsp;&nbsp;1107 | XXXXXX | XXXXXX | Cash Reserves | 252553.46 | 160066.05 |
| &nbsp;&nbsp;&nbsp;1110 | XXXXXX | XXXXXX | Cash Reserves | 488153.36 | 355526.32 |
| &nbsp;&nbsp;&nbsp;1135 | XXXXXX | XXXXXX | Cash Reserves | 689181.10 | 29007.08 |
| &nbsp;&nbsp;&nbsp;1135 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;1121 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 48.0100 | 38.3103 |
| &nbsp;&nbsp;&nbsp;1121 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;1121 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;1120 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;1120 | XXXXXX | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;1090 | XXXXXX | XXXXXX | Cash Reserves | 369213.11 | 194195.09 |
| &nbsp;&nbsp;&nbsp;1090 | XXXXXX | XXXXXX | Property Zip | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;1117 | XXXXXX | XXXXXX | Combined LTV | 63.02 | 59.87 |
| &nbsp;&nbsp;&nbsp;1117 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;1117 | XXXXXX | XXXXXX | Original LTV | 63.02 | 59.87 |
| &nbsp;&nbsp;&nbsp;1117 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;1115 | XXXXXX | XXXXXX | Cash Reserves | 141745.77 | 297203.58 |
| &nbsp;&nbsp;&nbsp;1114 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;1119 | XXXXXX | XXXXXX | Borrower 1 Total Income | '-3998.96 | 3641.08 |
| &nbsp;&nbsp;&nbsp;1137 | XXXXXX | XXXXXX | Cash Reserves | 41726.76 | 56600.40 |
| &nbsp;&nbsp;&nbsp;1139 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;1118 | XXXXXX | XXXXXX | Cash Reserves | 266073.23 | 178748.91 |
| &nbsp;&nbsp;&nbsp;1118 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 45.6150 | 41.6714 |
| &nbsp;&nbsp;&nbsp;1094 | XXXXXX | XXXXXX | Cash Reserves | 203056.97 | 119298.76 |

---

## Exhibit 99.5

**EXHIBIT 99.5** 

**CLAYTON VALUATIONS SUMMARY** 

------

Client Name: PennyMac

Client Project Name: PNMAC PMTLT 2026-INV5 J16768

**Valuations Summary** 

*Loans In Report: 455* 

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS<br>Information** |
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Seller**<br> **Loan<br>Number** | **Original<br>Balance** | **Sales<br>Price** | **Value For**<br> **LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM**<br> **Vendor**<br> **Name** | **Confidence**<br> **Score** | **Review Date** | **Review<br>Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **AVM**<br> **Vendor**<br> **Name** | **AVM FSD** | **Confidence**<br> **Score** | **Report**<br> **Date** | **Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other - Valuation<br>Type** | **Report Date -<br>Other** | **Value - Other** | **Variance Amount -<br>Other** | **Variance (%) -<br>Other** | **CU /LCA Score** |
| &nbsp;&nbsp;&nbsp;&nbsp; 1090 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.7 |
| &nbsp;&nbsp;&nbsp;&nbsp; 1121 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 972 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 970 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.4 |
| &nbsp;&nbsp;&nbsp;&nbsp; 973 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 1122 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| &nbsp;&nbsp;&nbsp;&nbsp; 981 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 211 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.8 |
| &nbsp;&nbsp;&nbsp;&nbsp; 1009 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 1130 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 781 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| &nbsp;&nbsp;&nbsp;&nbsp; 863 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| &nbsp;&nbsp;&nbsp;&nbsp; 952 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.25% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 115 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 200 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| &nbsp;&nbsp;&nbsp;&nbsp; 971 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| &nbsp;&nbsp;&nbsp;&nbsp; 77 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 1067 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 956 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| &nbsp;&nbsp;&nbsp;&nbsp; 555 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 877 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 1034 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| &nbsp;&nbsp;&nbsp;&nbsp; 79 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.9 |
| &nbsp;&nbsp;&nbsp;&nbsp; 958 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 862 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.2 |
| &nbsp;&nbsp;&nbsp;&nbsp; 209 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 980 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 868 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 76 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 962 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |

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| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS<br>Information** |
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Seller**<br> **Loan<br>Number** | **Original<br>Balance** | **Sales<br>Price** | **Value For**<br> **LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM**<br> **Vendor**<br> **Name** | **Confidence**<br> **Score** | **Review Date** | **Review<br>Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **AVM**<br> **Vendor**<br> **Name** | **AVM FSD** | **Confidence**<br> **Score** | **Report**<br> **Date** | **Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other - Valuation<br>Type** | **Report Date -<br>Other** | **Value - Other** | **Variance Amount -<br>Other** | **Variance (%) -<br>Other** | **CU /LCA Score** |
| &nbsp;&nbsp;&nbsp;&nbsp; 1072 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 5 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 79.68% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 1033 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 220 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 1071 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 81 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.9 |
| &nbsp;&nbsp;&nbsp;&nbsp; 380 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 754 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 377 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| &nbsp;&nbsp;&nbsp;&nbsp; 378 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 692 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 303 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 1036 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 224 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 469 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 705 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 556 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 379 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 201 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 219 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 6.56% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 626 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 333 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 465 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 708 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.2 |
| &nbsp;&nbsp;&nbsp;&nbsp; 756 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.7 |
| &nbsp;&nbsp;&nbsp;&nbsp; 757 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -1.19% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 470 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 710 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 693 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 1103 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.2 |

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| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS<br>Information** |
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Seller**<br> **Loan<br>Number** | **Original<br>Balance** | **Sales<br>Price** | **Value For**<br> **LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM**<br> **Vendor**<br> **Name** | **Confidence**<br> **Score** | **Review Date** | **Review<br>Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **AVM**<br> **Vendor**<br> **Name** | **AVM FSD** | **Confidence**<br> **Score** | **Report**<br> **Date** | **Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other - Valuation<br>Type** | **Report Date -<br>Other** | **Value - Other** | **Variance Amount -<br>Other** | **Variance (%) -<br>Other** | **CU /LCA Score** |
| &nbsp;&nbsp;&nbsp;&nbsp; 18 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 509 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 116 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 1037 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 513 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 516 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -8.66% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 1069 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| &nbsp;&nbsp;&nbsp;&nbsp; 511 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 999 |
| &nbsp;&nbsp;&nbsp;&nbsp; 1117 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 976 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 640 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 6 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -13.19% | XXXXXX | XXXXXX | XXXXXX | -15.41% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 963 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 641 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 471 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 117 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 860 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 642 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -8.33% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 643 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 645 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 381 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 20.55% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 19 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 646 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 1.93% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 648 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 649 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 5.97% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 711 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 3 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 890 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 12 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 4.07% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 1 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |

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| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS<br>Information** |
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Seller**<br> **Loan<br>Number** | **Original<br>Balance** | **Sales<br>Price** | **Value For**<br> **LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM**<br> **Vendor**<br> **Name** | **Confidence**<br> **Score** | **Review Date** | **Review<br>Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **AVM**<br> **Vendor**<br> **Name** | **AVM FSD** | **Confidence**<br> **Score** | **Report**<br> **Date** | **Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other - Valuation<br>Type** | **Report Date -<br>Other** | **Value - Other** | **Variance Amount -<br>Other** | **Variance (%) -<br>Other** | **CU /LCA Score** |
| &nbsp;&nbsp;&nbsp;&nbsp; 382 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.31% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 849 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp; 1120 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 1115 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 1114 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 1131 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 1136 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 1097 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 408 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 1119 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 1092 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 1132 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 937 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| &nbsp;&nbsp;&nbsp;&nbsp; 1133 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp; 927 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 1116 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 1065 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 1104 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 855 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 1058 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| &nbsp;&nbsp;&nbsp;&nbsp; 1134 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| &nbsp;&nbsp;&nbsp;&nbsp; 189 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 398 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 173 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 1137 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 906 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | $0.00 | $0.00 | XXXXXX |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 1139 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 16.75% | XXXXXX | XXXXXX | XXXXXX | -24.87% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 427 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| &nbsp;&nbsp;&nbsp;&nbsp; 273 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| &nbsp;&nbsp;&nbsp;&nbsp; 54 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.8 |

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| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | | | | | **AUS<br>Information** |
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Seller**<br> **Loan<br>Number** | **Original<br>Balance** | **Sales<br>Price** | **Value For**<br> **LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM**<br> **Vendor**<br> **Name** | **Confidence**<br> **Score** | **Review Date** | **Review<br>Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **AVM**<br> **Vendor**<br> **Name** | **AVM FSD** | **Confidence**<br> **Score** | **Report**<br> **Date** | **Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other - Valuation<br>Type** | **Report Date -<br>Other** | **Value - Other** | **Variance Amount -<br>Other** | **Variance (%) -<br>Other** | **CU /LCA Score** |
| &nbsp;&nbsp;&nbsp;&nbsp; 1118 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp; 1024 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 1138 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 60 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 1105 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 1094 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 44 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 28 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 241 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 1062 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| &nbsp;&nbsp;&nbsp;&nbsp; 1125 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 1023 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 284 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 327 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 67 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 6.97% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 161 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp; 454 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 17.14% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 929 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 1107 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 1109 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 1110 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 89 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 69 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 943 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 102 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.4 |
| &nbsp;&nbsp;&nbsp;&nbsp; 1060 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 452 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 104 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 946 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 413 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.8 |

---

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| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | | | | | **AUS<br>Information** |
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Seller**<br> **Loan<br>Number** | **Original<br>Balance** | **Sales<br>Price** | **Value For**<br> **LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM**<br> **Vendor**<br> **Name** | **Confidence**<br> **Score** | **Review Date** | **Review<br>Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **AVM**<br> **Vendor**<br> **Name** | **AVM FSD** | **Confidence**<br> **Score** | **Report**<br> **Date** | **Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other - Valuation<br>Type** | **Report Date -<br>Other** | **Value - Other** | **Variance Amount -<br>Other** | **Variance (%) -<br>Other** | **CU /LCA Score** |
| &nbsp;&nbsp;&nbsp;&nbsp; 72 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 25 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 442 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 21 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 922 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.7 |
| &nbsp;&nbsp;&nbsp;&nbsp; 292 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.7 |
| &nbsp;&nbsp;&nbsp;&nbsp; 1044 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 1126 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 1135 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 898 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 481 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 944 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 174 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 410 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 1019 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| &nbsp;&nbsp;&nbsp;&nbsp; 329 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 900 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.2 |
| &nbsp;&nbsp;&nbsp;&nbsp; 1076 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 58 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 150 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.9 |
| &nbsp;&nbsp;&nbsp;&nbsp; 94 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 632 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 1022 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| &nbsp;&nbsp;&nbsp;&nbsp; 1096 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.9 |
| &nbsp;&nbsp;&nbsp;&nbsp; 110 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 62 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 195 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 155 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 544 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 395 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.56% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |

---

------

---

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| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS<br>Information** |
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Seller**<br> **Loan<br>Number** | **Original<br>Balance** | **Sales<br>Price** | **Value For**<br> **LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM**<br> **Vendor**<br> **Name** | **Confidence**<br> **Score** | **Review Date** | **Review<br>Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **AVM**<br> **Vendor**<br> **Name** | **AVM FSD** | **Confidence**<br> **Score** | **Report**<br> **Date** | **Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other - Valuation<br>Type** | **Report Date -<br>Other** | **Value - Other** | **Variance Amount -<br>Other** | **Variance (%) -<br>Other** | **CU /LCA Score** |
| &nbsp;&nbsp;&nbsp;&nbsp; 140 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 4.94% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 684 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 508 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 326 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 175 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 4.55% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 187 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.8 |
| &nbsp;&nbsp;&nbsp;&nbsp; 453 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 165 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 1017 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -1.43% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 157 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 153 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 33 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 401 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C<br>Manuf<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 915 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C<br>Manuf<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 68 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 596 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 896 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 892 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.7 |
| &nbsp;&nbsp;&nbsp;&nbsp; 325 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 999 |
| &nbsp;&nbsp;&nbsp;&nbsp; 583 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 518 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 86 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 686 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 4.28% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 902 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| &nbsp;&nbsp;&nbsp;&nbsp; 446 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| &nbsp;&nbsp;&nbsp;&nbsp; 55 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| &nbsp;&nbsp;&nbsp;&nbsp; 444 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 744 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 675 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 668 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |

---

------

---

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| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS<br>Information** |
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Seller**<br> **Loan<br>Number** | **Original<br>Balance** | **Sales<br>Price** | **Value For**<br> **LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM**<br> **Vendor**<br> **Name** | **Confidence**<br> **Score** | **Review Date** | **Review<br>Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **AVM**<br> **Vendor**<br> **Name** | **AVM FSD** | **Confidence**<br> **Score** | **Report**<br> **Date** | **Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other - Valuation<br>Type** | **Report Date -<br>Other** | **Value - Other** | **Variance Amount -<br>Other** | **Variance (%) -<br>Other** | **CU /LCA Score** |
| &nbsp;&nbsp;&nbsp;&nbsp; 682 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -5.35% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 610 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 942 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 160 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 680 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 324 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| &nbsp;&nbsp;&nbsp;&nbsp; 353 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -8.57% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 1030 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 154 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 746 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 163 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 669 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 38 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 795 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 886 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 661 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 674 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 747 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 330 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 440 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 1012 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 428 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 920 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 663 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 992 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 521 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.4 |
| &nbsp;&nbsp;&nbsp;&nbsp; 677 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 787 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 619 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 903 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 |

---

------

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| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS<br>Information** |
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Seller**<br> **Loan<br>Number** | **Original<br>Balance** | **Sales<br>Price** | **Value For**<br> **LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM**<br> **Vendor**<br> **Name** | **Confidence**<br> **Score** | **Review Date** | **Review<br>Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **AVM**<br> **Vendor**<br> **Name** | **AVM FSD** | **Confidence**<br> **Score** | **Report**<br> **Date** | **Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other - Valuation<br>Type** | **Report Date -<br>Other** | **Value - Other** | **Variance Amount -<br>Other** | **Variance (%) -<br>Other** | **CU /LCA Score** |
| &nbsp;&nbsp;&nbsp;&nbsp; 916 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 912 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| &nbsp;&nbsp;&nbsp;&nbsp; 331 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 908 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 1000 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 166 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -7.14% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 895 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 85 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 847 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| &nbsp;&nbsp;&nbsp;&nbsp; 295 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 673 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 611 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| &nbsp;&nbsp;&nbsp;&nbsp; 1061 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 901 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 276 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 1025 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| &nbsp;&nbsp;&nbsp;&nbsp; 265 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 690 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 51 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 14 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 162 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -1.75% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 994 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 612 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| &nbsp;&nbsp;&nbsp;&nbsp; 856 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 281 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 999 |
| &nbsp;&nbsp;&nbsp;&nbsp; 432 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 984 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 667 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 169 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 858 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |

---

------

---

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| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS<br>Information** |
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Seller**<br> **Loan<br>Number** | **Original<br>Balance** | **Sales<br>Price** | **Value For**<br> **LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM**<br> **Vendor**<br> **Name** | **Confidence**<br> **Score** | **Review Date** | **Review<br>Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **AVM**<br> **Vendor**<br> **Name** | **AVM FSD** | **Confidence**<br> **Score** | **Report**<br> **Date** | **Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other - Valuation<br>Type** | **Report Date -<br>Other** | **Value - Other** | **Variance Amount -<br>Other** | **Variance (%) -<br>Other** | **CU /LCA Score** |
| &nbsp;&nbsp;&nbsp;&nbsp; 1006 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 1048 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 1041 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 1059 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp; 88 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 1074 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 887 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 4.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 1016 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 1086 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 633 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 120 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 613 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 1040 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 352 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 135 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 576 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 1032 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 883 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| &nbsp;&nbsp;&nbsp;&nbsp; 993 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 999 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 1056 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 227 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 1021 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 743 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 1063 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 1052 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| &nbsp;&nbsp;&nbsp;&nbsp; 386 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 13 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 1085 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 1039 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |

---

------

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| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS<br>Information** |
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Seller**<br> **Loan<br>Number** | **Original<br>Balance** | **Sales<br>Price** | **Value For**<br> **LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM**<br> **Vendor**<br> **Name** | **Confidence**<br> **Score** | **Review Date** | **Review<br>Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **AVM**<br> **Vendor**<br> **Name** | **AVM FSD** | **Confidence**<br> **Score** | **Report**<br> **Date** | **Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other - Valuation<br>Type** | **Report Date -<br>Other** | **Value - Other** | **Variance Amount -<br>Other** | **Variance (%) -<br>Other** | **CU /LCA Score** |
| &nbsp;&nbsp;&nbsp;&nbsp; 20 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 1045 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 999 |
| &nbsp;&nbsp;&nbsp;&nbsp; 63 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp; 191 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -5.19% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 182 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 39 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 66 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -7.83% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 528 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 26 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 999 |
| &nbsp;&nbsp;&nbsp;&nbsp; 358 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 27 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| &nbsp;&nbsp;&nbsp;&nbsp; 84 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| &nbsp;&nbsp;&nbsp;&nbsp; 1080 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 621 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 35 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 655 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 96 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -10.63% | XXXXXX | XXXXXX | XXXXXX | -24.43% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 107 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 279 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 119 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.49% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 124 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 396 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 123 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 118 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 152 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| &nbsp;&nbsp;&nbsp;&nbsp; 343 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 136 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| &nbsp;&nbsp;&nbsp;&nbsp; 289 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 234 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -14.39% | XXXXXX | XXXXXX | XXXXXX | -36.45% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 267 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 3.57% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |

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| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS<br>Information** |
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Seller**<br> **Loan<br>Number** | **Original<br>Balance** | **Sales<br>Price** | **Value For**<br> **LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM**<br> **Vendor**<br> **Name** | **Confidence**<br> **Score** | **Review Date** | **Review<br>Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **AVM**<br> **Vendor**<br> **Name** | **AVM FSD** | **Confidence**<br> **Score** | **Report**<br> **Date** | **Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other - Valuation<br>Type** | **Report Date -<br>Other** | **Value - Other** | **Variance Amount -<br>Other** | **Variance (%) -<br>Other** | **CU /LCA Score** |
| &nbsp;&nbsp;&nbsp;&nbsp; 418 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 291 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 258 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 422 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 620 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -19.84% | XXXXXX | XXXXXX | XXXXXX | -55.73% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 388 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.7 |
| &nbsp;&nbsp;&nbsp;&nbsp; 298 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 245 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 491 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 233 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 283 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 272 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 296 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 270 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 351 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 290 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 342 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 767 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 737 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.6 |
| &nbsp;&nbsp;&nbsp;&nbsp; 261 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 255 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 300 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 421 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 264 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 315 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 417 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -6.52% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 482 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| &nbsp;&nbsp;&nbsp;&nbsp; 364 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 483 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.8 |
| &nbsp;&nbsp;&nbsp;&nbsp; 256 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 |

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| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS<br>Information** |
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Seller**<br> **Loan<br>Number** | **Original<br>Balance** | **Sales<br>Price** | **Value For**<br> **LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM**<br> **Vendor**<br> **Name** | **Confidence**<br> **Score** | **Review Date** | **Review<br>Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **AVM**<br> **Vendor**<br> **Name** | **AVM FSD** | **Confidence**<br> **Score** | **Report**<br> **Date** | **Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other - Valuation<br>Type** | **Report Date -<br>Other** | **Value - Other** | **Variance Amount -<br>Other** | **Variance (%) -<br>Other** | **CU /LCA Score** |
| &nbsp;&nbsp;&nbsp;&nbsp; 287 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 420 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 497 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| &nbsp;&nbsp;&nbsp;&nbsp; 485 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 554 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 416 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 799 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 336 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp; 405 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 999 |
| &nbsp;&nbsp;&nbsp;&nbsp; 774 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 546 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 999 |
| &nbsp;&nbsp;&nbsp;&nbsp; 354 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 317 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 523 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 361 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 419 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 600 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 357 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 318 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -2.28% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 310 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 745 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.2 |
| &nbsp;&nbsp;&nbsp;&nbsp; 311 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 400 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 741 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 363 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 411 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 391 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 503 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 532 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 602 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |

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| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS<br>Information** |
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Seller**<br> **Loan<br>Number** | **Original<br>Balance** | **Sales<br>Price** | **Value For**<br> **LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM**<br> **Vendor**<br> **Name** | **Confidence**<br> **Score** | **Review Date** | **Review<br>Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **AVM**<br> **Vendor**<br> **Name** | **AVM FSD** | **Confidence**<br> **Score** | **Report**<br> **Date** | **Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other - Valuation<br>Type** | **Report Date -<br>Other** | **Value - Other** | **Variance Amount -<br>Other** | **Variance (%) -<br>Other** | **CU /LCA Score** |
| &nbsp;&nbsp;&nbsp;&nbsp; 527 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 498 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 568 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 458 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 431 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 390 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 999 |
| &nbsp;&nbsp;&nbsp;&nbsp; 487 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 502 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 499 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 484 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 486 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 588 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 590 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| &nbsp;&nbsp;&nbsp;&nbsp; 490 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 507 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 771 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 517 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 585 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 584 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 581 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 629 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 551 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 728 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 587 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.26% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 519 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp; 601 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 548 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 542 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 599 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 8.15% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 589 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |

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| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS<br>Information** |
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Seller**<br> **Loan<br>Number** | **Original<br>Balance** | **Sales<br>Price** | **Value For**<br> **LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM**<br> **Vendor**<br> **Name** | **Confidence**<br> **Score** | **Review Date** | **Review<br>Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **AVM**<br> **Vendor**<br> **Name** | **AVM FSD** | **Confidence**<br> **Score** | **Report**<br> **Date** | **Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other - Valuation<br>Type** | **Report Date -<br>Other** | **Value - Other** | **Variance Amount -<br>Other** | **Variance (%) -<br>Other** | **CU /LCA Score** |
| &nbsp;&nbsp;&nbsp;&nbsp; 567 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 575 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 735 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| &nbsp;&nbsp;&nbsp;&nbsp; 740 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 826 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -0.57% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 717 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 773 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 838 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| &nbsp;&nbsp;&nbsp;&nbsp; 839 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 772 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 776 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004<br>Hybrid<br>(Jul 20) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 811 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.2 |
| &nbsp;&nbsp;&nbsp;&nbsp; 768 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.4 |
| &nbsp;&nbsp;&nbsp;&nbsp; 723 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 785 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp; 823 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 731 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 765 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 840 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 3.34% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 791 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 761 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 806 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 833 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 841 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.2 |
| &nbsp;&nbsp;&nbsp;&nbsp; 783 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 784 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 842 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -1.97% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 828 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp; 845 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 16 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| &nbsp;&nbsp;&nbsp;&nbsp; 802 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 818 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 832 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| &nbsp;&nbsp;&nbsp;&nbsp; 809 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 798 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |

---

## Exhibit 99.6

**EXHIBIT 99.6** 

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

------

![LOGO](g136882g0423154512526.jpg)

**EXECUTIVE SUMMARY** 

**THIRD PARTY DUE DILIGENCE REVIEW** 

**Overview** 

Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on behalf of its client, PennyMac Corp. (the "Client"). The review included a total of 1 newly originated residential mortgage loan, in connection with the securitization identified as PMTLT 2026-INV5 (the "Securitization"). The Review was conducted from September 2025 to October 2025 on a mortgage loan originated in June 2025.

**Scope of Review** 

**Credit Review** 

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

The Credit Review attempted to confirm the following:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

------

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

------

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

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

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

**Valuation Review** 

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;m. Additional valuation products were not required when the CU score provided was 2.4 or below or the appraisal
LCA risk score was eligible for Collateral Rep and Warranty relief. In the event the CU score was equal to or greater than 2.5 or the LCA score was not eligible for R&W relief, an additional valuation product was obtained to confirm value was
supported within 10% tolerance. In some instances, based on guidance from the seller, CDA's were ordered on loans that had an acceptable CU score or R&W eligibility.

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

For loans where a valuation review was performed (1 loan in total):

Zero (0) loans had a Secondary Appraisal, zero (0) loans had AVMs, and one (1) loan 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, zero (0) loans had BPOs, and zero (0) loans had an Exterior Only Appraisal Review.

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

------

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the 1 mortgage loans reviewed, zero (0) unique mortgage loan (0.00% by loan count) had a total of zero (0) different tape discrepancies across zero (0) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Fields Reviewed** | **Discrepancy <br> Count** | **Percentage** |
| &nbsp;&nbsp;&nbsp; **Grand Total** | **0** | **0.00%** |

---

**Summary of Results** 

**OVERALL RESULTS SUMMARY** 

**Final Loan Grades** 

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** |
| &nbsp;&nbsp;&nbsp; Event Grade | Loan Count | Original Principal Balance | Percent of <br> Sample by<br>Loan Count |
| &nbsp;&nbsp;&nbsp;Event Grade A | 0 | $0.00 | 0% |
| &nbsp;&nbsp;&nbsp;Event Grade B | 1 | $401250.00 | 100.00% |
| &nbsp;&nbsp;&nbsp;Event Grade C | 0 | $0.00 | 0% |
| &nbsp;&nbsp;&nbsp;Event Grade D | 0 | $0.00 | 0% |
| &nbsp;&nbsp;&nbsp;**Total Sample** | 1 | $401250.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;&nbsp;**Credit Results:** |
| &nbsp;&nbsp;&nbsp; Event Grade | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Loan Count | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;&nbsp;Event Grade A | 0 | 0% |
| &nbsp;&nbsp;&nbsp;Event Grade B | 1 | 100.00% |
| &nbsp;&nbsp;&nbsp;Event Grade C | 0 | 0% |
| &nbsp;&nbsp;&nbsp;Event Grade D | 0 | 0% |
| &nbsp;&nbsp;&nbsp;**Total Sample** | 1 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;&nbsp;**Compliance Results:** |
| &nbsp;&nbsp;&nbsp; Event Grade | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Loan Count | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;&nbsp;Event Grade A | 0 | 0% |
| &nbsp;&nbsp;&nbsp;Event Grade B | 1 | 100.00% |
| &nbsp;&nbsp;&nbsp;Event Grade C | 0 | 0% |
| &nbsp;&nbsp;&nbsp;Event Grade D | 0 | 0% |
| &nbsp;&nbsp;&nbsp;**Total Sample** | 1 | 100.00% |

---

------

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Event Grade | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Loan Count | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Percent of Sample |
| Event Grade A | 1 | 100.00% |
| Event Grade B | 0 | 0% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 1 | 100.00% |

---

**Exception Category Summary** 

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;Exception <br>Type | &nbsp;&nbsp;&nbsp;&nbsp;Exception <br>Level<br> Grade | Exception Category | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total |  |
|  Credit | A | <br> Missing verification of taxes, insurance, and/or HOA fees for non-subject property<br>|  | 1 |  |
|  Credit | A | <br> ***Total Credit Grade (A) Exceptions:***<br>| **** | ***1*** | **** |
|  Credit | B | <br> Verification of Borrower Liabilities Missing or Incomplete<br>|  | 1 |  |
|  Credit | B | <br> ***Total Credit Grade (B) Exceptions:***<br>| **** | ***1*** | **** |
|  Compliance | B | <br> Missing Required Affiliated Business Disclosure<br>|  | 1 |  |
|  Compliance | B | <br> ***Total Compliance Grade (B) Exceptions:***<br>| **** | ***1*** | **** |
|  Property | A | <br> No Property Findings<br>|  | 1 |  |
|  Property | A | <br> ***Total Property Grade (A) Exceptions:***<br>| **** | ***1*** | **** |

---

------

**Event Grade Definitions** 

---

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

---

---

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

---

------

---

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

---

---

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

---

## Exhibit 99.7

**EXHIBIT 99.7** 

**CONSOLIDATED ANALYTICS EXCEPTION GRADES REPORT** 

------

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception<br>Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 1089 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 09/04/2025 | Acknowledged | FCRE7495 | Credit | Verification<br>of<br>Borrower<br>Liabilities<br>Missing or<br>Incomplete | The Credit Report indicates an open XXXXXX account #XXXXXX with XXXXXX and with $0.00 balance. Condition #25 of the DU requires the HELOC be disclosed on the loan application. The loan application indicates a XXXXXX revolving account # XXXXXX) with a $50 balance. Please provide verification of the XXXXXX account XXXXXX with the balance and monthly payment. | Document Uploaded. ; As this is a zero balance HELOC on the primary residence XXXXXX, there is no impact to DTI or LTV/CLTV. Please advise if this citation can be waived. | 10/13/2025 | Exception acknowledged as non-material. 1003 information does not match credit report; however, this is non-material as this has no impact on the DTI. ; The 1003 uploaded still reflects a $50 payment and $50 balance for XXXXXX #XXXXXX. Condition remains. ; If the OCR is correct, and the XXXXXX #XXXXXX has a $0 balance, then please provide a corrected final 1003 with the debt removed from the liabilities section. | 03/11/2026 | Borrower has stable job time — Borrower has 21.79 years on job. D B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 1089 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 09/04/2025 | Resolved | FCRE7497 | Credit | Missing<br>verification<br>of taxes,<br>insurance,<br>and/or<br>HOA fees<br>for non-<br>subject<br>property | The final application indicates the Borrower's primary residence on XXXXXX has an HOA fee of $491/month. Please provide verification of the monthly HOA dues. | Document Uploaded. | 09/29/2025 | Verification of HOA dues provided, exception resolved. | 09/30/2025 | Borrower has stable job time — Borrower has 21.79 years on job. D B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 1089 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 09/05/2025 | Acknowledged | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing Required Affiliated Business Disclosure Missing |  |  | Exception non-material. Investor acknowledges exception | 09/22/2025 | Borrower has stable job time — Borrower has 21.79 years on job. D B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 1089 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 09/08/2025 | Resolved | FPRO8998 | Property | No Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/10/2025 | Borrower has stable job time — Borrower has 21.79 years on job. D B A |

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## Exhibit 99.8

**EXHIBIT 99.8** 

**CONSOLIDATED ANALYTICS DATA COMPARE REPORT** 

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |

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## Exhibit 99.9

**EXHIBIT 99.9** 

**CONSOLIDATED ANALYTICS GRADING SUMMARY REPORT** 

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Seller<br>Loan<br>ID** | **Investor<br>Loan<br>ID** | **Original<br>Loan<br>Amount** |
| &nbsp;&nbsp;&nbsp;&nbsp; 1089 | XXXXXX |  |  | XXXXXX D B A |

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## Exhibit 99.10

**EXHIBIT 99.10** 

**CONSOLIDATED ANALYTICS ATR QM REPORT** 

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Seller<br>Loan ID** | **Investor<br>Loan ID** | **Lender<br>Application<br>Date** | **Originator<br>QM<br>Status** | **Final<br>QM<br>Status** | **Originator<br>QM<br>Status<br>Difference<br>than Final<br>QM<br>Status?** | **Reason<br>Why<br>NonQM<br>Final<br>Status** | **APR<br>Pricing<br>Threshold<br>Exceeded?** | **QM DTI<br>Threshold<br>Exceeded?** | **Higher<br>Priced<br>Mortgage<br>Loan<br>(HPML)?** | **Negatively<br>Amortizing<br>Loan?** | **Principal<br>Deferment?** | **Interest<br>Only<br>Flag?** | **Prepayment<br>Penalty?** | **Balloon<br>Flag?** | **Adjustable<br>Rate<br>Balloon?** | **Loan<br>Term<br>Less<br>Than<br>5<br>Years?** | **QM<br>Points and<br>Fees<br>Threshold<br>Exceeded?** | **QM<br>Total<br>Points<br>and<br>Fees** | **APR** | **ATR:<br>Qualifying<br>Payment<br>Properly<br>Considered?** | **ATR:<br>Current<br>Employment/Self-Employment<br>Verified?** | **ATR:<br>Balloon<br>Qualifying<br>Payment<br>Properly<br>Considered?** | **ATR:<br>Reasonable<br>Income or<br>Assets<br>Considered?** | **ATR:<br>Subject<br>PITIA<br>Adequately<br>Documented?** | **ATR: All<br>Liabilities<br>Including<br>Alimony<br>and Child<br>Support<br>in DTI?** | **ATR:<br>Simultaneous<br>Loan<br>Calculated<br>Properly** | **ATR:<br>Credit<br>History<br>was<br>Considered<br>Properly?** | **ATR: Did<br>Lender<br>Document<br>All ATR<br>Factors?** | **ATR:<br>Was an<br>ATR/QM<br>Residual<br>Income<br>Analysis<br>Provided?** | **Residual<br>Income** | **Residual<br>Income<br>Meets<br>Guidelines?** | **Borrower 1<br>Employment<br>Indicator** | **Borrower 2<br>Employment<br>Indicator** | **Borrower<br>1 Foreign<br>National<br>Indicator** | **Borrower<br>2 Foreign<br>National<br>Indicator** | **Business<br>Purpose<br>Loan?** | **Business<br>Purpose<br>Verified?** |
| &nbsp;&nbsp;&nbsp;1089 | XXXXXX |  |  | 05/07/2025 | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 4374.65 | 7.65 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8021.16 | N/A | Employed |  | No |  | No |  |

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## Exhibit 99.11

**EXHIBIT 99.11** 

**CONSOLIDATED ANALYTICS VALUATIONS SUMMARY REPORT** 

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Seller<br>Loan<br>ID** | **Investor<br>Loan ID** | **Note<br>Date** | **Original<br>Loan<br>Amount** | **Sales<br>Price** | **Total<br>Adjusted<br>Prior<br>Purchase<br>Price** | **Primary<br>Appraised<br>Value** | **Primary<br>Appraisal<br>Date** | **Primary Appraisal Type** | **Value for<br>LTV** | **LTV** | **CLTV** | **Loan<br>Reviewed<br>Property<br>Value** | **Loan<br>Reviewed<br>Variance<br>Amount** | **Loan<br>Reviewed<br>Variance<br>Percent** | **Loan<br>Reviewed<br>Product<br>Type** | **Loan<br>Post-<br>Close<br>Reviewed<br>Property<br>Value** | **Loan<br>Post-<br>Close<br>Reviewed<br>Variance<br>Amount** | **Loan<br>Post-<br>Close<br>Reviewed<br>Variance<br>Percent** | **Loan<br>Post-<br>Close<br>Reviewed<br>Product<br>Type** | **Second<br>Appraisal<br>Value** | **Second<br>Appraisal<br>Variance<br>Amount** | **Second<br>Appraisal<br>Variance<br>Percent** | **Second<br>Appraisal<br>Date** | **Second<br>Appraisal<br>Type** | **AVM<br>Appraised<br>Value** | **AVM<br>Variance<br>Amount** | **AVM<br>Variance<br>Percent** | **AVM<br>Confidence<br>Score** | **FSD<br>Score** | **AVM<br>Company<br>Name** | **AVM<br>Product<br>Name** | **AVM<br>Appraisal<br>Date** | **Desk<br>Review<br>Appraised<br>Value** | **Desk<br>Review<br>Variance<br>Amount** | **Desk<br>Review<br>Variance<br>Percent** | **Desk<br>Review<br>Company** | **Desk<br>Review<br>Appraisal<br>Date** | **Second<br>Desk<br>Review<br>Variance<br>Amount** | **Second<br>Desk<br>Review<br>Variance<br>Percent** | **Second<br>Desk<br>Review<br>Appraisal<br>Date** | **Second<br>Desk<br>Review<br>Appraised<br>Value** | **Desk Top<br>Appraised<br>Value** | **Desk Top<br>Variance<br>Amount** | **Desk Top<br>Variance<br>Percent** | **Desk<br>Top<br>Company** | **Desk<br>Top<br>Appraisal<br>Date** | **BPO<br>Appraised<br>Value** | **BPO<br>Variance<br>Amount** | **BPO<br>Variance<br>Percent** | **BPO<br>Company** | **BPO<br>Appraisal<br>Date** | **Field<br>Review<br>Appraised<br>Value** | **Field<br>Review<br>Variance<br>Amount** | **Field<br>Review<br>Variance<br>Percent** | **Field<br>Review<br>Company** | **Field<br>Review<br>Appraisal<br>Date** | **2055<br>Appraised<br>Value** | **2055<br>Variance<br>Amount** | **2055<br>Variance<br>Percent** | **2055<br>Company** | **2055<br>Appraisal<br>Date** | **AVE/<br>CMA<br>Appraised<br>Value** | **AVE/<br>CMA<br>Variance<br>Amount** | **AVE/<br>CMA<br>Variance<br>Percent** | **AVE/<br>CMA<br>Company** | **AVE/<br>CMA<br>Appraisal<br>Date** | **Other<br>Appraised<br>Value** | **Other<br>Variance<br>Amount** | **Other<br>Variance<br>Percent** | **Other<br>Appraisal<br>Date** | **Updated<br>Appraised<br>Value** | **Updated<br>Variance<br>Amount** | **Updated<br>Variance<br>Percent** | **Updated<br>Company** | **Updated<br>Appraisal<br>Date** | **Updated<br>Appraisal<br>Type** | **Loan<br>Collateral<br>Advisor<br>Risk<br>Score** | **Loan<br>Collateral<br>Advisor<br>Risk<br>Score<br>Date** | **Is Eligible<br>for Rep<br>and<br>Warrant<br>Relief<br>per Loan<br>Collateral<br>Advisor?** | **Collateral<br>Underwriter<br>Risk Score** | **Collateral<br>Underwriter<br>Risk Score<br>Date** |
| &nbsp;&nbsp;&nbsp;&nbsp; 1089 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1073 Individual Condo Report | XXXXXX | 75.0 | 75.0 |  |  |  |  | XXXXXX | XXXXXX | -.0654 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -.0654 | XXXXXX NA | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |

---