# EDGAR Filing Document

**Accession Number:** 0001142786
**File Stem:** 0001999371-26-001000
**Filing Date:** 2026-1
**Character Count:** 2295388
**Document Hash:** 1910cd5e13e966b34d13a2565168aa22
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-26-001000.hdr.sgml**: 20260115

**ACCESSION NUMBER**: 0001999371-26-001000

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

**PUBLIC DOCUMENT COUNT**: 61

**CONFORMED PERIOD OF REPORT**: 20260115

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

**FILED AS OF DATE**: 20260115

**DATE AS OF CHANGE**: 20260115

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** J.P. Morgan Acceptance Corp II
- **CENTRAL INDEX KEY:** 0001142786
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 364449120
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-01089
- **FILM NUMBER:** 26536990

**BUSINESS ADDRESS:**
- **STREET 1:** 1 BANK ONE PLAZA
- **CITY:** CHICAGO
- **STATE:** IL
- **ZIP:** 60670
- **BUSINESS PHONE:** 3127820600

**MAIL ADDRESS:**
- **STREET 1:** 1 BANK ONE PLAZA
- **CITY:** CHICAGO
- **STATE:** IL
- **ZIP:** 60670

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** BOND SECURITIZATION LLC
- **DATE OF NAME CHANGE:** 20010618
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** J.P. Morgan Acceptance Corp II
- **CENTRAL INDEX KEY:** 0001142786
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 364449120
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 1 BANK ONE PLAZA
- **CITY:** CHICAGO
- **STATE:** IL
- **ZIP:** 60670
- **BUSINESS PHONE:** 3127820600

**MAIL ADDRESS:**
- **STREET 1:** 1 BANK ONE PLAZA
- **CITY:** CHICAGO
- **STATE:** IL
- **ZIP:** 60670

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** BOND SECURITIZATION LLC
- **DATE OF NAME CHANGE:** 20010618

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

**<u>j.p. morgan acceptance corporation ii</u>**

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

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

Date of Report (Date of earliest event reported) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

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

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

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

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

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

Central Index Key Number of depositor: 0001142786

<u>J.P. Morgan Mortgage Trust 2026-NQM1</u><br> (Exact name of issuing entity as specified in its charter)

Central Index Key Number of issuing entity (if applicable): ________________

Central Index Key Number of underwriter (if applicable): ________________

Amie Davis, (212) 623-7441

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

**PART I: REPRESENTATION AND WARRANTY INFORMATION**

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

Not Applicable

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

Not Applicable

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

Not Applicable

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

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

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

EXHIBIT INDEX

---

| | |
|:---|:---|
| [99.1](ex99-1.htm) | AMC Diligence, LLC ("AMC") Form ABS Due Diligence-15E |
| [99.2](ex99-2.htm) | AMC Data Compare |
| [99.3](ex99-3.htm) | AMC Exception Report |
| [99.4](ex99-4.htm) | AMC Rating Agency Grades |
| [99.5](ex99-5.htm) | AMC Valuation Summary |
| [99.6](ex99-6.htm) | Clarifii LLC ("Clarifii") Executive Summary |
| [99.7](ex99-7.htm) | Clarifii Data Compare Report |
| [99.8](ex99-8.htm) | Clarifii Rating Agency Grades Detail Report |
| [99.9](ex99-9.htm) | Clarifii Rating Agency Grades Summary Report |
| [99.10](ex99-10.htm) | Clarifii Valuation Report |
| [99.11](ex99-11.htm) | Clayton Services LLC ("Clayton") Due Diligence Narrative |
| [99.12](ex99-12.htm) | Clayton Data Compare |
| [99.13](ex99-13.htm) | Clayton Exception Report |
| [99.14](ex99-14.htm) | Clayton Rating Agency Grades |
| [99.15](ex99-15.htm) | Clayton Valuation Summary |
| [99.16](ex99-16.htm) | Consolidated Analytics, Inc. ("Consolidated Analytics") Due Diligence Narrative |
| [99.17](ex99-17.htm) | Consolidated Analytics Data Compare |
| [99.18](ex99-18.htm) | Consolidated Analytics Exception Report |
| [99.19](ex99-19.htm) | Consolidated Analytics Rating Agency Grades |
| [99.20](ex99-20.htm) | Consolidated Analytics Valuation Summary |
| [99.21](ex99-21.htm) | Covius Real Estate Services, LLC ("Covius") Due Diligence Narrative |
| [99.22](ex99-22.htm) | Covius Tape Compare |
| [99.23](ex99-23.htm) | Covius Exceptions Report |
| [99.24](ex99-24.htm) | Covius Grades Report |
| [99.25](ex99-25.htm) | Covius Valuation Report |
| [99.26](ex99-26.htm) | Inglet Blair, LLC ("Inglet Blair") Due Diligence Narrative |
| [99.27](ex99-27.htm) | Inglet Blair Data Compare |
| [99.28](ex99-28.htm) | Inglet Blair Exception Report |
| [99.29](ex99-29.htm) | Inglet Blair Rating Agency Grades |
| [99.30](ex99-30.htm) | Inglet Blair Valuation Summary |
| [99.31](ex99-31.htm) | Inglet Blair Loan Summary |
| [99.32](ex99-32.htm) | Maxwell Diligence Solutions, LLC ("Maxwell") Due Diligence Narrative |
| [99.33](ex99-33.htm) | Maxwell Exceptions Report |
| [99.34](ex99-34.htm) | Maxwell Grading Report |
| [99.35](ex99-35.htm) | Maxwell Valuation Report |
| [99.36](ex99-36.htm) | Maxwell Data Compare Report |
| [99.37](ex99-37.htm) | Wipro Opus Risk Solutions, LLC ("Opus") Due Diligence Narrative |
| [99.38](ex99-38.htm) | Opus Data Compare |
| [99.39](ex99-39.htm) | Opus Exception Report |
| [99.40](ex99-40.htm) | Opus Rating Agency Grades |
| [99.41](ex99-41.htm) | Opus Valuation Summary |
| [99.42](ex99-42.htm) | Selene Diligence LLC ("Selene") Due Diligence Narrative |
| [99.43](ex99-43.htm) | Selene Data Compare Report |
| [99.44](ex99-44.htm) | Selene Standard Findings Report |
| [99.45](ex99-45.htm) | Selene Rating Agency Grades Summary Report |
| [99.46](ex99-46.htm) | Selene Valuation Report |

---

**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.

j.p. morgan acceptance corporation ii

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (Depositor)

Date: January 15, 2026

<u>/s/ Michael Brown</u>

Name: Michael Brown

Title: Chief Executive Officer (Senior Officer in charge of securitization)

## Exhibit 99.1

[j.p. morgan acceptance corporation ii abs-15G](jpmmt-abs15g.htm)

**Exhibit 99.1**

![](ex991001.jpg)

**UNITED STATES SECURITIES AND EXCHANGE COMMISSION**

Washington, D.C. 20549

**FORM ABS DUE DILIGENCE-15E**

**CERTIFICATION OF PROVIDER OF THIRD PARTY DUE DILIGENCE SERVICES <br> FOR ASSET-BACKED SECURITIES**

**Item 1: Identity of the person providing third party due diligence services** 

Legal Name: <u>AMC Diligence, LLC</u>

Business Name (if Different):  

Principal Business Address: <u>150 East 52<sup>nd</sup> Street, Suite 4002, New York, NY 10022</u>

**Item 2: Identity of the person who paid the person to provide due diligence services** 

Legal Name: <u>JPMorgan Chase Bank, National Association</u>

Business Name (if Different):  

Principal Business Address: <u>270 Park Avenue, 4<sup>th</sup> Floor, New York, NY 10017</u>

**Item 3: Credit rating criteria** 

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;DBRS, Inc. | &nbsp;&nbsp;Third-Party Due-Diligence and Representations & Warranties Criteria for U.S. RMBS Transactions dated September 30, 2024 |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;U.S. RMBS Rating Criteria, October 1, 2025 |
| &nbsp;&nbsp;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;U.S. RMBS Rating Methodology, December 7, 2023 |
| &nbsp;&nbsp;Moody's Investors Service, Inc. | &nbsp;&nbsp;Global Structured Finance Data Quality Evaluation Approach, February 9, 2022 |
| &nbsp;&nbsp;S&P Global Ratings | &nbsp;&nbsp;Global Methodology And Assumptions: Assessing Pools Of Residential Loans--U.S. And Canada Supplement, Feb 21, 2025 |

---

**Item 4: Description of the due diligence performed**

See attached.

**Item 5: Summary of findings and conclusions of review**

See attached.

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![](ex991001.jpg)

**CERTIFICATION**

The undersigned has executed this Form ABS Due Diligence 15E on behalf of, and on the authority of, the person identified in Item 1 of the Form. The undersigned, on behalf of the person, represents that the person identified in Item 1 of the Form conducted a thorough review in performing the due diligence described in Item 4 attached to this Form and that the information and statements contained in this Form, including Items 4 and 5 attached to this Form, which are part of this Form, are accurate in all significant respects on and as of the date hereof.

Name of Person Identified in Item 1: <u>AMC Diligence, LLC</u>

---

| | |
|:---|:---|
| By: | Tim Van Houtte |
| Signature: | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;/s/ Tim Van Houtte |
| Date: | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;January 14, 2026 |

---

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![](ex991001.jpg)

**Item 4: Description of the due diligence performed**

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

AMC Diligence, LLC ("**AMC**") performed certain due diligence services described below on residential mortgages acquired from various parties. The review was conducted on behalf of JPMorgan Chase Bank, National Association ("**Client**") during multiple transactions from October 2023 to December 2025 via files imaged and provided by JPMorgan Chase Bank, National Association for review (the "**Review**").

The loans in the Review carried origination dates between August 2023 and November 2025.

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

The Review was conducted on six hundred eighty-six (686) loans selected by the Client. Subsequent to review, the Client reduced the population to six hundred seventy-one (671) mortgage loans with an aggregate original principal balance of approximately $241.222 million for unknown reasons. The Review did not cover 100% of the loans in the securitization population; however, the Review did cover the entire portion of the securitization population reviewed by AMC.

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

AMC is not aware of the overall sample size for the securitization as the Review only covered the portion of the loans in the securitization reviewed by AMC.

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

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Interest Rate Life Floor | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;City | &nbsp;&nbsp;Interest Rate Life Min | &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Borrower Current City | &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Origination Channel | &nbsp;&nbsp;Subject Debt Service Coverage Ratio |
| &nbsp;&nbsp;Borrower Current Street | &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Mortgage Type | &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;Borrower Current Zip | &nbsp;&nbsp;Decision System | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Prepayment Penalty Period (months) |  |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Product Description |  |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;Interest Rate Change Frequency | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Property Type |  |

---

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

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

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

**<u>CREDIT REVIEW (311 Mortgage Loans)</u>**

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

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

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

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

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

**DU/LP/Zippy Review** 

When a DU/LP/Zippy form is provided, AMC (i) confirmed and captured recommendations and (ii) verified that (a) red flags listed on the DU/LP/Zippy were addressed by the underwriter, (b) listed credit conditions were cleared by the underwriter, and (c) the final DU/LP/Zippy in the file contained data that matched the data gathered from documents in the file. All mortgage loans are manually underwritten with documentation requirements determined by Client guidelines and the AUS findings.

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

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

**Fraud Review:** AMC reviewed fraud report results in each mortgage loan file, to the extent present, in conjunction with source documents found in the mortgage loan file to assess the likelihood of any misrepresentations associated with the

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origination of the mortgage loan. If the mortgage loan file did not contain a fraud report and the counterparty did not produce one, AMC conditioned the mortgage loan for the missing fraud report product.

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

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

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

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

**<u>LEASES REVIEW (360 Mortgage Loans)</u>**

**<u>DOCUMENT REVIEW</u>**

For each Loan, AMC reviewed the corresponding Loan File and verified whether the following documents, if applicable, are included in the file and if the data on these documents is consistent and logical: (a) initial loan application (1003), (b) credit report, (c) employment documentation, (d) asset documentation, (e) sales contract, (f) hazard and/or flood insurance policies, (g) appraisal, (h) title/preliminary title, (i) mortgage/deed of trust, (j) note, (k) certificate of business purpose/nonowner occupancy, (l) articles of incorporation (m) operating agreement, (n) background check, (o) leases, (p) assignment of leases and rents, (q) closing protection letter, (r) lease agreement(s), and(s) track record report.

**<u>CREDIT REVIEW</u>**

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

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

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

**Employment and Income:** AMC determined whether applicable supporting employment and income documentation required by the guidelines, was present in the mortgage loan file and where possible, wasn't fraudulent.

**Borrowing Entity:** AMC verified the borrowing entity, if not an individual, is properly documented. In addition, AMC verified if the business entity is a US or foreign entity and if the individual signing the loan documentation has the appropriate authority. Distinction was made between guarantors and principals, individuals, and business entities.

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

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

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

Other aspects of AMC's review included (i) verifying that the address matched the mortgage note, (ii) reviewing pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which the valuation was ordered and that there are no negative external factors; and (iii) confirming the appraiser noted an estimated lease amount to be used in instances where there is no lease in place.

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

**Insurance:** AMC (a) looked for the presence of rent loss insurance as required by the guidelines, (b) verified that hazard insurance meets the minimum required amount of coverage in the guidelines, (c) confirmed that the flood certification is for the correct borrower, property, lender and loan number, and (d) for properties in a flood zone per the flood certification, confirmed that flood insurance meets guideline requirements in the file and meets the minimum required amount of coverage.

**Title:** AMC verified whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower. AMC also reviewed the Title Commitment for the disclosure issues such as assessments; covenants, conditions and restrictions); access problems; vicinity of property to military airports; prior leases; court orders/divorce decrees; public probate issues; foreclosures; bankruptcies; judgment liens; state and federal tax liens; and environmental liens. Review for instances of delinquent taxes (non-liens). In addition, AMC reviewed for Oil, Gas, Water or Mineral rights.

**Fraud / Criminal Background:** To the extent potentially fraudulent activity is identified as part of the document review, such information was reported to Client. In addition, AMC looked for an independent, third party fraud report and background check in each file and reviewed the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan.

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

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

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conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

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

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

If more than one valuation was provided, AMC confirmed consistency among the valuation products and if there were discrepancies that could not be resolved, AMC created an exception and worked with the Client on the next steps which may include the ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in AMC's review resulted in a variance of more than 10% then the Client was notified of such variance and a second independent valuation product was ordered.

AMC also considered processes that included Fannie Mae's Collateral Underwriter (CU) or Freddie Mac Loan Collateral Advisor (LCA) on one-unit single-family homes and condos for GSE eligible loans. No additional property value due diligence was completed in cases where CU/LCA indicated that appraisal risk was consistent with the respective GSE's day one RW&E relief. Freddie Mac's Home Value Explorer (HVE) was also considered an acceptable secondary valuation product for GSE-related transactions. If the CU/LCA risk score was ineligible for GSE RW&E relief, then AMC compared a third valuation product (such as a field review) to the original appraisal.

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

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

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

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counsel; however, no assurances can be provided and/or are given that AMC has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by AMC will result in the potential level of risk indicated by an Event Level or NRSRO grade.

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

**<u>COMPLIANCE REVIEW (311 Mortgage Loans)</u>**

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

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iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

*<u>Qualified Mortgage</u>*

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

---

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

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

---

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| | |
|:---|:---|
| 3.) | for loans with an application date, defined in accordance with § 1026.2(a)(3)(ii), taken on or after 3/1/2021, submitted with a loan designation of Safe Harbor QM (APOR), or Higher Priced QM (APOR), "Revised QM", whether the APR exceeds the average prime offer rate by 2.25 or more percentage points, (additional thresholds applicable for lower loan balances, subordinate lien covered transactions and certain manufactured homes loan |

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amounts), and whether the loan does not meet the credit guidelines without a documented exception and compensating factors.

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

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

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

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

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

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

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

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

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

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

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consider in determining the status of a mortgage loan. AMC's review is based on information contained in the mortgage loan file at the time it is provided to AMC to review, and only reflects information as of that point in time.

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

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

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

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

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

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

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

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

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

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

**(X) Recording Review**

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

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

**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Credit
 report;

&nbsp;&nbsp;&nbsp;&nbsp;■ Income
 and employment documentation;

&nbsp;&nbsp;&nbsp;&nbsp;■ 4506T;

&nbsp;&nbsp;&nbsp;&nbsp;■ Asset
 documentation;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Final
 1003;

&nbsp;&nbsp;&nbsp;&nbsp;■ Changed
 circumstance documentation;

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Subordination
 Agreement;

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Final
 TIL;

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

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

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

**<u>LEASES LIMITED COMPLIANCE REVIEW (28 Mortgage Loans)</u>**

Includes Leases Review Scope with additional limited compliance review below.

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

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

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

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

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

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

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

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

**(9) Disclaimer.**

Except as expressly enumerated above, please be advised that SitusAMC has not performed any review to determine whether the mortgage loans covered in this Report complied with federal, state or local laws, constitutional provisions, regulations, ordinances or any other laws or guidance, including, without limitation, licensing and general usury laws ("Applicable Law"). Further, there can be no assurances that in performing the review and preparing this Report that SitusAMC has uncovered all relevant factors and potential issues relating to the origination of the mortgage loans, their compliance with Applicable Law, or the original appraisals relating to the mortgaged properties, or that SitusAMC has uncovered all relevant factors that could affect the future performance of the mortgage loans. Please note that the results set forth in this Report are dependent upon receipt of complete and accurate data regarding the mortgage loans from mortgage loan originators, sponsors, issuers, underwriters, and other third parties upon which SitusAMC is relying in reaching such results. Except as expressly stated herein, SitusAMC did not verify the data relied upon in performing its review and producing this Report. In addition, the findings and conclusions set forth in this Report are provided on an "as is" basis and are based on available information and Applicable Law as of the date of this Report, and SitusAMC does

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not undertake any obligation to update or provide any revisions to this Report to reflect events, circumstances, changes in Applicable Law, or changes in expectations after the date this Report was issued.

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

**Item 5. Summary of findings and conclusions of review**

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of DBRS, Inc. ("DBRS"), Fitch Ratings, Inc. ("Fitch"), Kroll Bond Rating Agency, Inc. ("Kroll"), and Moody's Investors Service, Inc. ("Moody's") and S&P Global Ratings ("S&P").

**OVERALL REVIEW RESULTS SUMMARY**

There were six hundred seventy-one (671) mortgage loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable NRSRO grading criteria, two hundred (200) (29.81%) loans had an overall loan grade of "B". Twenty-six (26) of the loans with an overall grade of "B" had exceptions across multiple exception types.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Final <br> Exception<br> Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;GSE | &nbsp;&nbsp;99 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State HPML | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Defect | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing, Incorrect, or Incomplete Final or Initial 1003 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Late Charge | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID | &nbsp;&nbsp;1 |

---

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---

| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***151*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**151** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;53 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;39 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Income / Employment | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Business Purpose | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***115*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**115** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**266** |

---

**COMPLIANCE RESULTS SUMMARY**

Of the three hundred thirty-nine (339) loans that had a compliance review performed, under the applicable NRSRO grading criteria, one hundred twenty (120) had a Compliance Review "B" grade. Twenty-two (22) of the loans with an overall grade of "B" had multiple compliance exceptions.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;219 | &nbsp;&nbsp;64.60% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;120 | &nbsp;&nbsp;35.40% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**PROPERTY/VALUATION REVIEW RESULTS SUMMARY**

Of the six hundred seventy-one (671) loans reviewed, under the applicable NRSRO grading criteria, all loans had a Property Review "A" grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;671 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**CREDIT REVIEW RESULTS SUMMARY**

Five hundred sixty-five (565) mortgage loans (84.20%) of the total received an "A" Credit Review grade. The one hundred six (106) "B" Credit Review grades were due to missing documentation and/or guideline adherence (see exception detail below). Exceptions were offset by strong compensating factors such as high disposable income, low LTV, and/or high liquid assets.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;565 | &nbsp;&nbsp;84.20% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;106 | &nbsp;&nbsp;15.80% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

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Of the six hundred seventy-one (671) mortgage loans reviewed, two hundred ninety-five (295) (43.96%) mortgage loans had tape discrepancies across thirty-seven (37) unique data fields. The most common tape discrepancies were Borrower Last Name (10.73%), Subject Debt Service Coverage Ratio (8.05%), and Note Date (6.26%). AMC found generally that the DTI discrepancies were due to differences in calculating complex incomes; while the data differed, the resulting ratios generally remained within guidelines.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;72 | &nbsp;&nbsp;10.73% |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;54 | &nbsp;&nbsp;8.05% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;42 | &nbsp;&nbsp;6.26% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;36 | &nbsp;&nbsp;5.37% |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;35 | &nbsp;&nbsp;5.22% |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;33 | &nbsp;&nbsp;4.92% |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;25 | &nbsp;&nbsp;3.73% |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;24 | &nbsp;&nbsp;3.58% |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;22 | &nbsp;&nbsp;3.28% |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;22 | &nbsp;&nbsp;3.28% |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;22 | &nbsp;&nbsp;3.28% |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;21 | &nbsp;&nbsp;3.13% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;21 | &nbsp;&nbsp;3.13% |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;20 | &nbsp;&nbsp;2.98% |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;20 | &nbsp;&nbsp;2.98% |
| &nbsp;&nbsp;Decision System | &nbsp;&nbsp;15 | &nbsp;&nbsp;2.24% |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;14 | &nbsp;&nbsp;2.09% |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;14 | &nbsp;&nbsp;2.09% |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;13 | &nbsp;&nbsp;1.94% |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;10 | &nbsp;&nbsp;1.49% |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;10 | &nbsp;&nbsp;1.49% |
| &nbsp;&nbsp;Product Description | &nbsp;&nbsp;9 | &nbsp;&nbsp;1.34% |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;8 | &nbsp;&nbsp;1.19% |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;8 | &nbsp;&nbsp;1.19% |
| &nbsp;&nbsp;Mortgage Type | &nbsp;&nbsp;8 | &nbsp;&nbsp;1.19% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.89% |
| &nbsp;&nbsp;Origination Channel | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.89% |
| &nbsp;&nbsp;Borrower Current Street | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.89% |
| &nbsp;&nbsp;Borrower Current Zip | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.75% |
| &nbsp;&nbsp;Interest Rate Life Floor | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.60% |
| &nbsp;&nbsp;Interest Rate Life Min | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.60% |
| &nbsp;&nbsp;Borrower Current City | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.60% |
| &nbsp;&nbsp;Prepayment Penalty Period (months) | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.45% |
| &nbsp;&nbsp;City | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.30% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.15% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.15% |

---

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---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Interest Rate Change Frequency | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.15% |

---

**ADDITIONAL LOAN POPULATION SUMMARY\***

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**TPR Loan Designation** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;N/A (investment property consumer mortgage) | &nbsp;&nbsp;360 | &nbsp;&nbsp;53.65% | &nbsp;&nbsp;$84162095.00 | &nbsp;&nbsp;34.89% |
| &nbsp;&nbsp;Non QM | &nbsp;&nbsp;234 | &nbsp;&nbsp;34.87% | &nbsp;&nbsp;$111333431.00 | &nbsp;&nbsp;46.15% |
| &nbsp;&nbsp;Exempt from ATR | &nbsp;&nbsp;25 | &nbsp;&nbsp;3.73% | &nbsp;&nbsp;$19735859.00 | &nbsp;&nbsp;8.18% |
| &nbsp;&nbsp;Higher Priced QM (APOR) | &nbsp;&nbsp;20 | &nbsp;&nbsp;2.98% | &nbsp;&nbsp;$9683750.00 | &nbsp;&nbsp;4.01% |
| &nbsp;&nbsp;Safe Harbor QM (APOR) | &nbsp;&nbsp;18 | &nbsp;&nbsp;2.68% | &nbsp;&nbsp;$8981541.00 | &nbsp;&nbsp;3.72% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;14 | &nbsp;&nbsp;2.09% | &nbsp;&nbsp;$7325750.00 | &nbsp;&nbsp;3.04% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**671** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$241222426.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;659 | &nbsp;&nbsp;98.21% | &nbsp;&nbsp;$232490926.00 | &nbsp;&nbsp;96.38% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;12 | &nbsp;&nbsp;1.79% | &nbsp;&nbsp;$8731500.00 | &nbsp;&nbsp;3.62% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**671** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$241222426.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;671 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$241222426.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**671** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$241222426.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;339 | &nbsp;&nbsp;50.52% | &nbsp;&nbsp;$110805605.00 | &nbsp;&nbsp;45.94% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;185 | &nbsp;&nbsp;27.57% | &nbsp;&nbsp;$78386695.00 | &nbsp;&nbsp;32.50% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;95 | &nbsp;&nbsp;14.16% | &nbsp;&nbsp;$32394019.00 | &nbsp;&nbsp;13.43% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;52 | &nbsp;&nbsp;7.75% | &nbsp;&nbsp;$19636107.00 | &nbsp;&nbsp;8.14% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**671** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$241222426.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;669 | &nbsp;&nbsp;99.70% | &nbsp;&nbsp;$240376526.00 | &nbsp;&nbsp;99.65% |
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.30% | &nbsp;&nbsp;$845900.00 | &nbsp;&nbsp;0.35% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**671** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$241222426.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;385 | &nbsp;&nbsp;57.38% | &nbsp;&nbsp;$116725465.00 | &nbsp;&nbsp;48.39% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;117 | &nbsp;&nbsp;17.44% | &nbsp;&nbsp;$64814766.00 | &nbsp;&nbsp;26.87% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;45 | &nbsp;&nbsp;6.71% | &nbsp;&nbsp;$13001414.00 | &nbsp;&nbsp;5.39% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;36 | &nbsp;&nbsp;5.37% | &nbsp;&nbsp;$7914166.00 | &nbsp;&nbsp;3.28% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;27 | &nbsp;&nbsp;4.02% | &nbsp;&nbsp;$6302337.00 | &nbsp;&nbsp;2.61% |

---

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---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;5-10 Unit Multi-Family | &nbsp;&nbsp;27 | &nbsp;&nbsp;4.02% | &nbsp;&nbsp;$16585358.00 | &nbsp;&nbsp;6.88% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;12 | &nbsp;&nbsp;1.79% | &nbsp;&nbsp;$6635000.00 | &nbsp;&nbsp;2.75% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;9 | &nbsp;&nbsp;1.34% | &nbsp;&nbsp;$3815200.00 | &nbsp;&nbsp;1.58% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;8 | &nbsp;&nbsp;1.19% | &nbsp;&nbsp;$3024150.00 | &nbsp;&nbsp;1.25% |
| &nbsp;&nbsp;Townhouse | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.75% | &nbsp;&nbsp;$2404570.00 | &nbsp;&nbsp;1.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**671** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$241222426.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;280 | &nbsp;&nbsp;41.73% | &nbsp;&nbsp;$136027511.00 | &nbsp;&nbsp;56.39% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;374 | &nbsp;&nbsp;55.74% | &nbsp;&nbsp;$91487845.00 | &nbsp;&nbsp;37.93% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;17 | &nbsp;&nbsp;2.53% | &nbsp;&nbsp;$13707070.00 | &nbsp;&nbsp;5.68% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**671** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$241222426.00** | &nbsp;&nbsp;**100.00%** |

---

\*Tables may not add to 100% due to rounding.

**EXCEPTION DETAIL**

The exception summary below ties to the total number of B exceptions for the population included in the Review. Some mortgage loans may be listed multiple times if they carried multiple exception categories even if those categories were within the same general exception category (ex. Disclosures and RESPA Tolerance within Compliance).

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Exceptions** | &nbsp;&nbsp;**# of <br> Loans** | &nbsp;&nbsp;**Exception<br> Type** |
| &nbsp;&nbsp;Fannie Mae 2014 - 3% Points and Fees | &nbsp;&nbsp;96 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;6 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TIL Higher Priced Mortgage Loan Safe Harbor Test | &nbsp;&nbsp;6 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Self-Employed Tax Return Recency - ATR | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Self-Employed Tax Return Recency - QM | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;FNMA Points and Fees | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Escrowed Property Costs Year 1 Underdisclosed - October 2018 | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Maryland HPML Threshold Test Non-Compliant | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Total Of Payments | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Maryland SB270 Prepayment Penalty 2009 Investment Test | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Amount Financed Test | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Finance Charge | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018 | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |

---

19 \| P a g e

![](ex991001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test | &nbsp;&nbsp;1&nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed Test | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Will Have Escrow Account | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Will Not Have Escrow Account | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Maryland Counseling Agencies Disclosure Not in File | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Loan Estimate: Dates are not in chronological order. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Notice of Special Flood Hazard Disclosure Not Provided Timely | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Missing Document: Missing Lender's Initial 1003 | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Note Error: Note late charge percentage exceeds maximum per state | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Note Error: Note grace period days less than minimum per state | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Income/Asset Guideline Deficiency - ATR Impact | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Title Policy Coverage is less than Original Loan Amount. | &nbsp;&nbsp;39 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Credit Exception: | &nbsp;&nbsp;22 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Aged document: Credit Report is more than 90 days prior to the note date. | &nbsp;&nbsp;10 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Ineligible property type. | &nbsp;&nbsp;8 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: PITIA reserves months discrepancy. | &nbsp;&nbsp;4 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Income Docs Missing: | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Income documentation requirements not met. | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Minimum of 600 square feet of gross living area required per company guidelines. | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Ineligible Property Type per the guidelines. | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: Loan to value discrepancy. | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: Number of units discrepancy. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: Available for Reserves discrepancy. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Issue: Refinance seasoning requirements not met | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Background check and/or other documentation indicates borrower / guarantor with a felony conviction. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Aged document: Primary Valuation is older than guidelines permit | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Verification(s) of employment is not within 10 business days of the Note. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Lease Agreement not provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |

---

20 \| P a g e

![](ex991001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Missing Document: Other not provided | &nbsp;&nbsp;1&nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Gift Letter not provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Public Record Issue: | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Borrower is a first time home buyer and ineligible per guidelines. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |

---

21 \| P a g e

## Exhibit 99.2

[j.p. morgan acceptance corporation ii abs-15G](jpmmt-abs15g.htm)

**Exhibit 99.2**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| 304242421 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304242421 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304319976 | Investor: Qualifying Total Debt Ratio | 5.806 | 12.49476 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304314368 | Property Type | PUD | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304420777 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304420777 | Appraised Value | xxxx | xxxx | Verified | Field Value reflects Approval/AUS value |
| 304440053 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304436479 | Original Interest Rate | 7.38 | 7.375 | Verified | Field Value reflects the Note value |
| 304423545 | Interest Rate Life Floor | 7.25 | 0 | Verified | Field Value reflects 'Interest Rate Life Floor' per the ARM rider |
| 304397826 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304397826 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304397826 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304397826 | Property Type | 4 Family | Multifamily | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304397826 | # of Units | 4 | 6 | Verified | Field value reflects source document |
| 304397826 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304471386 | Subject Debt Service Coverage Ratio | 1.24 | 1.22 | Verified | Lender included lower tax in PITIA. Title commitment reflects higher tax. |
| 304637213 | Investor: Qualifying Total Debt Ratio | 6.17 | 9.46598 | Verified | Field Value DTI is higher than Tape value but within 3% and < 45% DTI |
| 304640466 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304643474 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304643474 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304643474 | Investor: Qualifying Total Debt Ratio | 49 | 36.78616 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304641278 | Original Interest Rate | 7.5 | 7.499 | Verified | Field Value reflects the Note value |
| 304494451 | Investor: Qualifying Total Debt Ratio | 44.75 | 47.82342 | Verified | Additional consumer debt was added. |
| 304643530 | Subject Debt Service Coverage Ratio | 1.27 | 1.53 | Verified | Rent: 4,940.00 / $$3,234.43 PITIA ($2,568.18 P&I + $237.17 taxes + $429.08 HOI). |
| 304680597 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304680597 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304680597 | Original Interest Rate | 7.13 | 7.125 | Verified | Field Value reflects the Note value |
| 304680597 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304705787 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304705787 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304705787 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304705787 | Original Interest Rate | 6.375 | 8.375 | Verified | Field Value reflects the Note value |
| 304705787 | Property Type | 4 Family | Multifamily | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304705787 | # of Units | 4 | 6 | Verified | Field value reflects source document |
| 304705787 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304708800 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304708800 | Property Type | 4 Family | Multifamily | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304708800 | # of Units | 4 | 6 | Verified | Field value reflects source document |
| 304750447 | Property Type | PUD | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304760513 | Coborrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304760513 | Coborrower Last Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304760513 | Original Interest Rate | 8 | 7.999 | Verified | Field Value reflects the Note value |
| 304750090 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304766837 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304766837 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304760514 | Coborrower First Name | xxxx | xxxx | Verified | Co-borrower name not in file |
| 304760514 | Coborrower Last Name | xxxx | xxxx | Verified | Co-borrower name not in file |
| 304721809 | Original Interest Rate | 8.5 | 8.499 | Verified | Field Value reflects the Note value |
| 304750489 | Coborrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304750489 | Coborrower Last Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304750489 | Original Interest Rate | 8.38 | 8.375 | Verified | Field Value reflects the Note value |
| 304751879 | Original Interest Rate | 8.38 | 8.375 | Verified | Field Value reflects the Note value |
| 304732700 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304763249 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304764094 | Coborrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304764094 | Coborrower Last Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304811434 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304756784 | Original Interest Rate | 8.38 | 8.375 | Verified | Field Value reflects the Note value |
| 304776870 | Original Interest Rate | 8.13 | 8.125 | Verified | Field Value reflects the Note value |
| 304693248 | Subject Debt Service Coverage Ratio | 1.75 | 1.71 | Verified | Tape using $7670 rents and field value is based on 100% market rents of $7510. |
| 304708951 | Subject Debt Service Coverage Ratio | 1.54 | 1.59 | Verified | DSCR differs due to change in qualifying rent considered $8795 instead of calculated rents of $8930 as vacant unit at 90%. |
| 304768851 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304768851 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304768851 | Original CLTV | 88.6 | 89.99889 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304768851 | Original LTV | 88.6 | 89.99889 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304729314 | Original Interest Rate | 8.5 | 8.499 | Verified | Field Value reflects the Note value |
| 304729314 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304729314 | Original CLTV | 86.72 | 89.30521 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304729314 | Original LTV | 86.72 | 89.30521 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304818380 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304768570 | Coborrower First Name | xxxx | xxxx | Verified | Bid tape value is name of non-borrowing title holder. |
| 304768570 | Coborrower Last Name | xxxx | xxxx | Verified | Bid tape value is name of non-borrowing title holder. |
| 304768570 | Original Interest Rate | 7 | 6.999 | Verified | Field Value reflects the Note value |
| 304813330 | Representative FICO | 767 | 760 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304777835 | Original Interest Rate | 7.5 | 7.499 | Verified | Field Value reflects the Note value |
| 304819348 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304827717 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304827717 | Original CLTV | 73.6 | 89.99555 | Verified | matches approval. |
| 304827717 | Original LTV | 73.6 | 89.99555 | Verified | matches approval. |
| 304756708 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304756708 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304756708 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304756708 | Representative FICO | 701 | 710 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304756708 | Property Type | Multi Family | Multifamily | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304756708 | # of Units | 4 | 6 | Verified | Field value reflects source document |
| 304756708 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304827062 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304827062 | Original CLTV | 72 | 89.999 | Verified | Matches approval. |
| 304827062 | Original LTV | 72 | 89.999 | Verified | Matches approval. |
| 304833302 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304833302 | Coborrower First Name | xxxx | xxxx | Verified | Bid Tape value is name of non-borrowing title holder. |
| 304833302 | Coborrower Last Name | xxxx | xxxx | Verified | Bid Tape value is name of non-borrowing title holder. |
| 304833302 | Original Interest Rate | 7.88 | 7.875 | Verified | Field Value reflects the Note value |
| 304828411 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304827680 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304827680 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304827680 | Original Interest Rate | 8.5 | 8.499 | Verified | Field Value reflects the Note value |
| 304840911 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304823106 | Investor: Qualifying Total Debt Ratio | 35.982 | 42.00125 | Verified | Tape data is incorrect. Loan approved at 42.00% |
| 304823436 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304823436 | Original Interest Rate | 7 | 6.999 | Verified | Field Value reflects the Note value |
| 304842860 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304825140 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304825116 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304846308 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304818321 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304818321 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304833304 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304833304 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304833304 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304833304 | Original CLTV | 85 | 81 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304833304 | Original LTV | 85 | 81 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304822855 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304822855 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304822855 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304822855 | Investor: Qualifying Total Debt Ratio | 31.089 | 36.55289 | Verified | Field value matching with 1008 |
| 304840223 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304840223 | Original CLTV | 73.84 | 75 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304840223 | Original LTV | 73.84 | 75 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304843025 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304843025 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304843025 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304843025 | Original CLTV | 83.02 | 80.29197 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304843025 | Original LTV | 83.02 | 80.29197 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304848984 | Original Interest Rate | 6.88 | 6.875 | Verified | Field Value reflects the Note value |
| 304844612 | Original Interest Rate | 8.13 | 8.125 | Verified | Field Value reflects the Note value |
| 304865426 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304840462 | Original Interest Rate | 8.5 | 8.499 | Verified | Field Value reflects the Note value |
| 304874062 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304874053 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304874014 | Representative FICO | 735 | 722 | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
| 304874024 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304874058 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304874058 | Original Interest Rate | 6.38 | 6.625 | Verified | Field Value reflects the Note value |
| 304874058 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304874027 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304874027 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304874019 | Property Type | PUD | PUD Attached | Verified | Field Value reflects the Approval/AUS in file. |
| 304874047 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304865220 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304865220 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304865220 | Original Interest Rate | 8.5 | 8.499 | Verified | Field Value reflects the Note value |
| 304867864 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304867864 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304867864 | Original Interest Rate | 6.88 | 6.875 | Verified | Field Value reflects the Note value |
| 304854949 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304821122 | Investor: Qualifying Total Debt Ratio | 9.81 | 17.65531 | Verified | Used 50% expense ratio. CPA letter does not specify. |
| 304846313 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304846313 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304857397 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304840505 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304840505 | Original Interest Rate | 7.88 | 7.875 | Verified | Field Value reflects the Note value |
| 304840505 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304840505 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304840505 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304840505 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304865135 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304865135 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304865049 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304846895 | Original Interest Rate | 7.38 | 7.375 | Verified | Field Value reflects the Note value |
| 304846895 | Refi Purpose | Rate/Term | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304870004 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304840875 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304865422 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304871988 | Original Interest Rate | 7.13 | 7.125 | Verified | Field Value reflects the Note value |
| 304840878 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304840878 | Original Interest Rate | 6.63 | 6.625 | Verified | Field Value reflects the Note value |
| 304840878 | Investor: Qualifying Total Debt Ratio | 36.56 | 33.51662 | Verified | DTI difference due to file is missing proof of the other income of $9135,.53 that is listed on the final 1003 |
| 304849019 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304849019 | Subject Debt Service Coverage Ratio | 1.48 | 1.64 | Verified | Field value reflects source document |
| 304874780 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304865206 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304872019 | Original Interest Rate | 8.5 | 8.499 | Verified | Field Value reflects the Note value |
| 304869349 | Original Interest Rate | 7.38 | 7.375 | Verified | Field Value reflects the Note value |
| 304869181 | Refi Purpose | Cash-out | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304758973 | Original Interest Rate | 8.5 | 8.499 | Verified | Field Value reflects the Note value |
| 304758973 | Refi Purpose | Rate/Term | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304874524 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304873089 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Security Instrument |
| 304873089 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Security Instrument |
| 304873089 | Original Interest Rate | 8.5 | 8.499 | Verified | Field Value reflects the Note value |
| 304858895 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304871454 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304865134 | Investor: Qualifying Total Debt Ratio | 34.89 | 41.06293 | Verified | Field Value DTI is higher than Tape value due to Lender used lower PITIA than verified by audit |
| 304870077 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304873560 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304888290 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304888290 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304888290 | Original Interest Rate | 6.88 | 6.875 | Verified | Field Value reflects the Note value |
| 304871989 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304871989 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304871989 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304875150 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304875150 | Refi Purpose | Rate/Term | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304858896 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304858896 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Security Instrument |
| 304858896 | Representative FICO | 721 | 765 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304887768 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304887768 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304869255 | City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 304875159 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304848287 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304848287 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304875129 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304870007 | Original Interest Rate | 6.63 | 6.625 | Verified | Field Value reflects the Note value |
| 304877927 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304875161 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304875161 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304874107 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304874107 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304875642 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304875642 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304875642 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304879041 | Original Interest Rate | 6.88 | 6.875 | Verified | Field Value reflects the Note value |
| 304876007 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304871443 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304861544 | Refi Purpose | Rate/Term | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304875932 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Security Instrument |
| 304875932 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Security Instrument |
| 304894304 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304849173 | First Payment Date | xxxx | xxxx | Verified | Field Value reflects First Payment Date per the Note |
| 304849173 | Maturity Date | xxxx | xxxx | Verified | Field Value reflects Maturity Date per the Note |
| 304849173 | Subject Debt Service Coverage Ratio | 1.56 | 1.57 | Verified | DSCR mismatch due to change in qualifying rent considered by UW sheet is $3,075.00 however, field value monthly rental income is $3,100.00. |
| 304849181 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304849181 | Representative FICO | 777 | 766 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304849113 | Original CLTV | 70 | 75 | Verified | Captured Original Sales $XXX price from Final HUD-1 |
| 304849113 | Original LTV | 70 | 75 | Verified | Captured Original Sales $XXX price from Final HUD-1 |
| 304867406 | Subject Debt Service Coverage Ratio | 2.59 | 2.15 | Verified | DSCR worksheet matches field value but does not match DSCR on the tape. |
| 304849243 | Amortization Term | 240 | 360 | Verified | Loan has 120 month IO period. |
| 304849243 | Interest Rate Change Frequency | 12 | 120 | Verified | Loan has 120 month IO period. |
| 304849159 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304849169 | Subject Debt Service Coverage Ratio | 1.20 | 1.26 | Verified | Calculated rent amount $1,158 (lower of lease amount and 110% of market rent) and lender's rent used $1,050. |
| 304849089 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304849089 | Subject Debt Service Coverage Ratio | 1.51 | 1.55 | Verified | Lender used rents of $8,185.00 and field value reflects $8,400.00. |
| 304824944 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304824944 | Amortization Term | 240 | 360 | Verified | Note reflects an IO period. |
| 304824944 | Subject Debt Service Coverage Ratio | 1.09 | 1.11 | Verified | Lender used 90% of market value and field value reflects 100% market rent (vacant, owned > 6 months, SOW in file). |
| 304849053 | Subject Debt Service Coverage Ratio | 1.11 | 1.16 | Verified | DSCR matches UW worksheet in file but not tape. |
| 304867484 | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 304867484 | Interest Rate Life Min |  | 6.375 | Verified | Field Value reflects 'Interest Rate Life Minimum' per the Note |
| 304867484 | Subject Debt Service Coverage Ratio | 1.30 | 1.19 | Verified | Lender used $1,286.73 Monthly P&I instead of $1,095.70 with 120 month interest only. |
| 304867429 | Subject Debt Service Coverage Ratio | 1.61 | 1.58 | Verified | Lender utilized total market rent of $8,600, while field review utilized $8,300. |
| 304869282 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304869282 | Subject Debt Service Coverage Ratio | 1.34 | 1.40 | Verified | DSCR worksheet matches field value but does not match DSCR on the tape. |
| 304849163 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304849163 | Subject Debt Service Coverage Ratio | 1.19 | 1.32 | Verified | Field value using market rent with zillow listing provided and bid tape using $1147.50 qualifying rent. |
| 304867372 | Subject Debt Service Coverage Ratio | 1.95 | 1.72 | Verified | DSCR worksheet matches field value but does not match DSCR on the tape. |
| 304849055 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304849228 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304849228 | Subject Debt Service Coverage Ratio | 1.25 | 1.27 | Verified | DSCR discrepancy due to other monthly payment of $16.67 on D0215 and not documented in file. |
| 304847757 | Amortization Term | 240 | 360 | Verified | Loan reflects a 120 month IO period. |
| 304847757 | Subject Debt Service Coverage Ratio | 1.66 | 1.69 | Verified | Variance due to rent considered. Lender considered $19,052 while field value considers $19,435. |
| 304867387 | Subject Debt Service Coverage Ratio | 1.68 | 1.64 | Verified | Lender considered 100% rent $2000 as per lease agreement whereas system considered rent as per marker rent $1950 (lower of lease and market rent) |
| 304867386 | Subject Debt Service Coverage Ratio | 1.15 | 1.33 | Verified | DSCR discrepancy due to other monthly expenses reflected on DSCR worksheet |
| 304867441 | Subject Debt Service Coverage Ratio | 1.36 | 1.43 | Verified | Lender used $1, 9000 for rent and field value reflects $1,945.00. (Unit 2 is vacant and owned < 6months market rent used). |
| 304849233 | Subject Debt Service Coverage Ratio | 1.74 | 1.94 | Verified | Lender used 90% market rent $1170. System is calculating DSCR using full market rent $1300. Property is vacant and seasoned more than 6 months. Listing provided |
| 304889898 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304889898 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304889898 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304869296 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304869296 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304869296 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304869317 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304869317 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304869317 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304869317 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304849101 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304847714 | Subject Debt Service Coverage Ratio | 1.61 | 1.60 | Verified | Due to rounding |
| 304844381 | Subject Debt Service Coverage Ratio | 2.37 | 2.30 | Verified | Lender considered Qualifying rent is $8,825, However field value calculated Qualifying rent is $8,550 and It's impacting DSCR ratio. |
| 304889926 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304889926 | Subject Debt Service Coverage Ratio | 1.89 | 2.50 | Verified | Variance is due to rental considered in qualification. Lender considered $7,540 monthly rental income while field review considers $10,000 based on leases. |
| 304844435 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304847748 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304847748 | Subject Debt Service Coverage Ratio | 2.24 | 2.20 | Verified | DSCR worksheet matches field value but does not match DSCR on the tape. |
| 304867398 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304867384 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304867427 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304889798 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304889786 | Subject Debt Service Coverage Ratio | 1.62 | 1.65 | Verified | Lender considered qualifying rent of $6050, while field review utilized actual rents of $6,150. |
| 304869265 | Subject Debt Service Coverage Ratio | 1.24 | 1.37 | Verified | Used tax certificate amount which matches title's value. DSCR matches with field values but not matches with Bid Tape Field Value. |
| 304847755 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304840602 | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 304897210 | Prepayment Penalty Period (months) |  | 36 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 304898957 | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 304898957 | Interest Rate Life Floor | 6.5 | 0 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| 304898955 | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 304898955 | Interest Rate Life Floor | 6.625 | 0 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| 304898954 | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 304898954 | Interest Rate Life Floor | 7 | 0 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| 304889940 | Subject Debt Service Coverage Ratio | 1.05 | 1.16 | Verified | <6 mos seasoning and lender used $2047.50 vs $2275 at 100% of market rent. |
| 304889939 | Subject Debt Service Coverage Ratio | 1.82 | 1.65 | Verified | DSCR discrepancy with rent amount. Lender used $1,275.00 and field value represents lower of market rent or in place lease $1,150.00. |
| 304849118 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304849118 | Subject Debt Service Coverage Ratio | 1.34 | 1.29 | Verified | DSCR calculation matches UW worksheet but not tape. |
| 304849060 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304889858 | Borrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304889803 | Subject Debt Service Coverage Ratio | 1.23 | 1.37 | Verified | DSCR discrepancy is due to rent considered. Lender utilized $1,260 per month (90% of market rent), while field review uses actual market rent of $1,400 (vacant owned < 6 months) |
| 304889870 | Subject Debt Service Coverage Ratio | 1.01 | 1.00 | Verified | Lender used lower taxes at $516.59 than field value at $580.23 (tax amount collected on HUD) |
| 304844500 | Subject Debt Service Coverage Ratio | 1.47 | 1.40 | Verified | Variance in DSCR due to tax amount. Lender calculated using $78.20 per month while field review uses $70.33 based on the tax certificate. |
| 304844499 | Subject Debt Service Coverage Ratio | 1.06 | 1.07 | Verified | Rounding |
| 304867393 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304889821 | Subject Debt Service Coverage Ratio | 1.54 | 1.53 | Verified | DSCR worksheet matches field value but does not match DSCR on the tape. |
| 304844485 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304889813 | Subject Debt Service Coverage Ratio | 1.19 | 1.33 | Verified | field value using 100% market with zillow/SOW. Bid using $990. |
| 304899097 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304899097 | Subject Debt Service Coverage Ratio | 1.16 | 1.41 | Verified | Lender utilized qualifying rent of $2,295 per month, while field review utilizes $2,790 per month based on leases in file. |
| 304867392 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304889933 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304869306 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304849203 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304867369 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304867401 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304867450 | Subject Debt Service Coverage Ratio | 1.24 | 1.38 | Verified | DSCR variance due to rent considered. Lender utilized rent of $1,305, while field review utilizes actual and market rent of $1,450. DSCR calculation: $1,450 / $1,050.99 = 1.379% |
| 304899085 | Original CLTV | 78 | 80 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304899085 | Original LTV | 78 | 80 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304889820 | Amortization Term | 240 | 360 | Verified | IO period reflected on the Note. |
| 304889820 | Interest Rate Life Min |  | 6.75 | Verified | Field Value reflects 'Interest Rate Life Minimum' per the Note |
| 304889820 | Subject Debt Service Coverage Ratio | 1.08 | 1.10 | Verified | Lender DSCR calculation includes $58.02 other Monthly Expenses not documented in the file. |
| 304899069 | Subject Debt Service Coverage Ratio | 1.72 | 1.71 | Verified | DSCR is rounding off |
| 304899045 | Subject Debt Service Coverage Ratio | 1.23 | 1.32 | Verified | DSCR ratio matching with UW worksheet ($9,100 / $6,916.90) |
| 304867402 | Subject Debt Service Coverage Ratio | 1.17 | 1.07 | Verified | Lender considered higher lease rent $1,525 instead of lower of market rent $1,400. |
| 304898997 | Subject Debt Service Coverage Ratio | 1.58 | 1.61 | Verified | For Unit #2 Lender considered rent as per market rent $1500 & For vacant Unit #1 considered 90% of market rent $1350. |
| 304847740 | Subject Debt Service Coverage Ratio | 2.17 | 3.17 | Verified | Lender utilized rents of $7,767 per month while field review calculates DSCR using $11,360 per month. DSCR calculation: $11,360 / $3585.59 = 3.168%. |
| 304899036 | Subject Debt Service Coverage Ratio | 1.60 | 1.61 | Verified | DSCR worksheet matches field value but does not match DSCR on the tape. |
| 304867475 | Subject Debt Service Coverage Ratio | 1.24 | 1.31 | Verified | DSCR discrepancy due to DSCR worksheet reflects other monthly exp. |
| 304867470 | Subject Debt Service Coverage Ratio | 1.41 | 1.46 | Verified | DSCR discrepancy due to DSCR worksheet reflects other monthly expense of $48.01 |
| 304867467 | Original CLTV | 55 | 37.32143 | Verified | Bid Tape reflects UW approval is using a value of $760,000 |
| 304867467 | Original LTV | 55 | 37.32143 | Verified | Bid Tape reflects UW approval is using a value of $760,000 |
| 304898947 | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 304898947 | Interest Rate Life Min |  | 6 | Verified | Field Value reflects 'Interest Rate Life Minimum' per the Note |
| 304898944 | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 304898944 | Interest Rate Life Min |  | 6.25 | Verified | Field Value reflects 'Interest Rate Life Minimum' per the ARM rider |
| 304889816 | Subject Debt Service Coverage Ratio | 1.19 | 1.26 | Verified | DSCR worksheet matches field value but does not match DSCR on the tape. |
| 304899012 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304765291 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304765291 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304765291 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304765291 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304765291 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304765291 | Investor: Qualifying Total Debt Ratio | 28.4918 | 48.2959 | Verified | New income documentation provided. No longer asset depletion |
| 304765291 | Decision System |  |  | Verified | Field value reflects source document |
| 304840845 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304840845 | Investor: Qualifying Total Debt Ratio | 15.5163 | 19.56709 | Verified | Per 1008 DTI is 19.822% and calculated DTI is 19.567% due to insurance docs missing for the primary residence and second home. |
| 304840845 | Decision System | LP / LPA |  | Verified | Field value reflects source document |
| 304848142 | Decision System | DU |  | Verified | Field value reflects source document |
| 304843287 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304843287 | Decision System |  |  | Verified | Field value reflects source document |
| 304847824 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304847824 | Decision System |  |  | Verified | Field value reflects source document |
| 304840495 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304840495 | Representative FICO | 731 | 748 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304840495 | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304840495 | Original CLTV | 52.17 | 47.74536 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304840495 | Original LTV | 52.17 | 47.74536 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304840495 | Investor: Qualifying Total Debt Ratio | 20.0001 | 35.68682 | Verified | Per 1008 DTI is 35.684% and calculated DTIU is 35.686% |
| 304840495 | Decision System |  |  | Verified | Field value reflects source document |
| 304846847 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304846847 | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 304846847 | Original CLTV | 34.21 | 43.33333 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304846847 | Original LTV | 34.21 | 43.33333 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304846847 | Investor: Qualifying Total Debt Ratio | 40.526 | 44.01018 | Verified | DTI calculated as per Fully Qualified using the 20-year fully amortizing payment. |
| 304846847 | Decision System |  |  | Verified | Field value reflects source document |
| 304858908 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304858908 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304858908 | Investor: Qualifying Total Debt Ratio | 14.6744 | 9.12707 | Verified | Per 1008 DTI is 9.127% and calculated DTI is 9.127% |
| 304858908 | Decision System |  |  | Verified | Field value reflects source document |
| 304821099 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304821099 | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304821099 | Investor: Qualifying Total Debt Ratio | 32.95 | 29.21298 | Verified | Tape data reflects higher DTI 32.95% reviewed DTI 29.21% |
| 304840477 | Representative FICO | 786 | 809 | Verified | As per guideline used the qualifying credit score of the primary income earner. |
| 304876395 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304843362 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304843362 | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304843362 | Decision System |  |  | Verified | Field value reflects source document |
| 304877911 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304877911 | Decision System |  | DU | Verified | Field value reflects source document |
| 304870058 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304870058 | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 304870058 | Property Type | PUD | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304846267 | Investor: Qualifying Total Debt Ratio | 44.4666 | 37.00001 | Verified | Credit tradelines being paid off as per credit supplement and Amex account (sufficient reserves) installment account being excluded (less than 10 months) which results in DTI variance. |
| 304858938 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304858938 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304858938 | Property Type | Single Family Detached | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304858938 | Investor: Qualifying Total Debt Ratio | 18.7822 | 13.86343 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304874854 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304874854 | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304874854 | Decision System |  |  | Verified | Field value reflects source document |
| 304889654 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304889654 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304889654 | Decision System |  |  | Verified | Field value reflects source document |
| 304874082 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304874082 | Decision System |  |  | Verified | Field value reflects source document |
| 304873971 | Investor: Qualifying Total Debt Ratio | 0 | 37.89886 | Verified | Field Value DTI matches 1008 DTI. |
| 304896342 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304896342 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304896342 | Decision System |  |  | Verified | Field value reflects source document |
| 304896773 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304896773 | Decision System |  |  | Verified | Field value reflects source document |
| 304672298 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304833245 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304833245 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304833245 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304833245 | Property Type | 4 Family | Multifamily | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304833245 | # of Units | 4 | 8 | Verified | Field value reflects source document |
| 304833245 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304833245 | Investor: Qualifying Total Debt Ratio | 0 |  | Verified | DSCR loan |
| 304823036 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304823036 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304823036 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304823036 | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304823036 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304848554 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304848488 | # of Units | 7 | 1 | Verified | Field value reflects source document |
| 304848488 | Prepayment Penalty Period (months) | 36 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 304848488 | Prepayment Penalty | 1 | 0 | Verified | Field Value reflects 'PrePayment Penalty' per the Note |
| 304848549 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304848549 | Original LTV | 80 | 78.76448 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304869151 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304869151 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304869151 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304869151 | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 304869151 | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304869151 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304858426 | Borrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304858426 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304858426 | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 304858426 | Property Type | Single Family Detached | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304858426 | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 304868136 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304868136 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304868136 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304868136 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304848576 | Borrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304848576 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304848576 | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304848576 | # of Units | 1 | 2 | Verified | Field value reflects source document |
| 304848576 | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 304849047 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304849047 | Original CLTV | 56.45 | 69.42149 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304849047 | Original LTV | 56.45 | 69.42149 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304872565 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304872565 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304872565 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304872565 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304872565 | Representative FICO | 697 | 756 | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
| 304872565 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304872565 | Original CLTV | 47.5 | 50 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304872565 | Original LTV | 47.5 | 50 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304872565 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304873842 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304873842 | City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 304873842 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304873842 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304873842 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304873842 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304868802 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304869474 | Original CLTV | 68.49 | 70 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304869474 | Original LTV | 68.49 | 70 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304850794 | Borrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304850794 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304850794 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304850794 | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 304868225 | Representative FICO | 741 | 730 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304849000 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304849000 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304849000 | Representative FICO | 681 | 686 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304858349 | Borrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304858349 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304858349 | Representative FICO | 792 | 795 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304858349 | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 304856337 | Borrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304856337 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304856337 | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 304736721 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304736721 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304736721 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304736721 | Property Type | 4 Family | Multifamily | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304736721 | # of Units | 4 | 6 | Verified | Field value reflects source document |
| 304736721 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304736721 | Investor: Qualifying Total Debt Ratio | 0 |  | Verified | DSCR loan |
| 304894589 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304894589 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304894589 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304894589 | Representative FICO | 769 | 797 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304894589 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304893527 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304893527 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304893527 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304893527 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304893527 | Original CLTV | 55 | 53.45788 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304893527 | Original LTV | 55 | 53.45788 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304893527 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304899221 | Borrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304899221 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304899221 | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304899221 | Original CLTV | 55.4 | 60 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304899221 | Original LTV | 55.4 | 60 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304899221 | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 304865476 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304865476 | Maturity Date | xxxx | xxxx | Verified | Field Value reflects Maturity Date per the Note |
| 304865518 | Maturity Date | xxxx | xxxx | Verified | Field Value reflects Maturity Date per the Note |
| 304865509 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304865509 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304865509 | Maturity Date | xxxx | xxxx | Verified | Field Value reflects Maturity Date per the Note |
| 304865509 | Representative FICO | 752 | 763 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304865509 | Contract Sales Price | xxxx | xxxx | Verified | Refinance Transaction |
| 304865510 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304865510 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304865510 | Maturity Date | xxxx | xxxx | Verified | Field Value reflects Maturity Date per the Note |
| 304865510 | Representative FICO | 752 | 763 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304865510 | Contract Sales Price | xxxx | xxxx | Verified | Refinance |
| 304865475 | Contract Sales Price | xxxx | xxxx | Verified | Refinance |
| 304865886 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304865886 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304865645 | Original LTV | 80.49 | 85 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304866038 | Original LTV | 67.07 | 75 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304865996 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304866071 | Contract Sales Price | xxxx | xxxx | Verified | Refinance transaction. |
| 304865893 | Contract Sales Price | xxxx | xxxx | Verified | Refinance. |
| 304865905 | Contract Sales Price | xxxx | xxxx | Verified | Refinance |
| 304866470 | Contract Sales Price | xxxx | xxxx | Verified | Refinance. |
| 304866393 | Contract Sales Price | xxxx | xxxx | Verified | Refinance.. |
| 304866332 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304866098 | Contract Sales Price | xxxx | xxxx | Verified | Refinance transaction |
| 304866258 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304866258 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| 304866131 | Contract Sales Price | xxxx | xxxx | Verified | Refinance |
| 304866085 | Contract Sales Price | xxxx | xxxx | Verified | It is refinance |
| 304866490 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304865734 | Original LTV | 0.7816 | 80 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304866511 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304866511 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304866100 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304866509 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304866509 | Contract Sales Price | xxxx | xxxx | Verified | Updated as per appraisal document |
| 304866506 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304866506 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304866506 | Contract Sales Price | xxxx | xxxx | Verified | Refinance transaction |
| 304866508 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304866508 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304866508 | Subject Debt Service Coverage Ratio | 1.00 | 1.01 | Verified | Rounding |
| 304868739 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304868739 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304868739 | Subject Debt Service Coverage Ratio | 1.20 | 1.21 | Verified | Due to round off |
| 304868711 | Contract Sales Price | xxxx | xxxx | Verified | Refinance Transaction. |
| 304868709 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304868709 | Contract Sales Price | xxxx | xxxx | Verified | Its Refinance. |
| 304868684 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304868684 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304868684 | Property Type | 4 Family | Multifamily | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304868684 | Subject Debt Service Coverage Ratio | 1.45 | 1.46 | Verified | Due to rounding. |
| 304865552 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304865552 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304865937 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304865937 | Subject Debt Service Coverage Ratio | 1.19 | 1.20 | Verified | Due to rounding. |
| 304868670 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304868670 | Maturity Date | xxxx | xxxx | Verified | Field Value reflects Maturity Date per the Note |
| 304865574 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304865785 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304865785 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304865785 | Contract Sales Price | xxxx | xxxx | Verified | Updated from appraisal document |
| 304865845 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304865845 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304868693 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304868693 | Contract Sales Price | xxxx | xxxx | Verified | Refinance transaction |
| 304868716 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304868716 | Subject Debt Service Coverage Ratio | 1.16 | 1.17 | Verified | DSCR mismatch due to Round-off value. |
| 304868727 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304868681 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304889591 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304889591 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304889591 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304889591 | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304889591 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304875805 | Borrower Current Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304875805 | Borrower Current City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 304875805 | Borrower Current Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304875805 | Mortgage Type |  | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 304875805 | Original CLTV |  | 80 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304875805 | Origination Channel | Correspondent | Retail | Verified | Field Value reflects Retail (Lender Originated) |
| 304875805 | Product Description | NANQ / TRID - 30 Yr Fixed | Fixed Rate | Verified | Field value reflects source document |
| 304893197 | Mortgage Type |  | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 304893197 | Origination Channel | Correspondent | Retail | Verified | Field Value reflects Retail (Lender Originated) |
| 304893197 | Product Description | NANQ / TRID - 30 Yr Fixed | Fixed Rate | Verified | Field value reflects source document |
| 304902647 | Borrower Current Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304902647 | Borrower Current City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 304902647 | Borrower Current Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304902647 | Mortgage Type |  | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 304902647 | Original CLTV |  | 90 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304902647 | Origination Channel | Correspondent | Broker | Verified | Field Value reflects Retail (Lender Originated) |
| 304902647 | Product Description | NANQ / TRID - 30 Yr Fixed | Fixed Rate | Verified | Field value reflects source document |
| 304875740 | Borrower Current Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304875740 | Borrower Current City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 304875740 | Borrower Current Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304875740 | Mortgage Type |  | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 304875740 | Original CLTV |  | 80 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304875740 | Origination Channel | Correspondent | Retail | Verified | Field Value reflects Retail (Lender Originated) |
| 304875740 | Product Description | NANQ / TRID - 30 Yr Fixed | Fixed Rate | Verified | Field value reflects source document |
| 304859677 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304859677 | Mortgage Type |  | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Approval/AUS |
| 304859677 | Origination Channel | Correspondent | Retail | Verified | Field Value reflects Retail (Lender Originated) |
| 304859677 | Product Description | NANQ / TRID - 30 Yr Fixed | Fixed Rate | Verified | Field value reflects source document |
| 304893284 | Mortgage Type |  | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 304893284 | Product Description | NANQ / Business - 30 Yr Fixed | Fixed Rate | Verified | Field value reflects source document |
| 304893089 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304893089 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304893089 | Borrower Current Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304893089 | Borrower Current Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304893089 | Mortgage Type |  | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 304893089 | Origination Channel | Correspondent | Retail | Verified | Field Value reflects Retail (Lender Originated) |
| 304893089 | Product Description | NANQ / Business - 30 Yr Fixed - PPP | Fixed Rate | Verified | Field value reflects source document |
| 304871702 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304871702 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304871702 | Borrower Current Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304871702 | Borrower Current City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 304871702 | Borrower Current Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304871702 | Mortgage Type |  | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 304871702 | Product Description | NANQ / Business - 30 Yr Fixed - PPP | Fixed Rate | Verified | Field value reflects source document |
| 304902657 | Borrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304902657 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304902657 | Borrower Current Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304902657 | Product Description | NANQ / Business - 30 Yr Fixed - PPP | Fixed Rate | Verified | Field value reflects source document |

---

## Exhibit 99.3

[j.p. morgan acceptance corporation ii abs-15G](jpmmt-abs15g.htm)

**Exhibit 99.3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 304035527 | 29151463 |  | Credit | Guideline | Guideline Issue | Guideline | Hazard Insurance Policy expires within 60 days of the Note Date or is already expired. |  | xxxx |  |  |  | xxxx | 09/21/2023 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304242421 | 30181922 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx | 03/22/2024 |  |  | 1 C A |  | IL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304242421 | 30181925 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 03/22/2024 |  |  | 1 B A C |  | IL | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304319976 | 30545408 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 05/13/2024 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304319976 | 30545409 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $246.00 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 05/13/2024 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304319976 | 30560240 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | xxxx |  |  |  | xxxx | 05/20/2024 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 304319976 | 30560913 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | xxxx | 05/20/2024 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 304319976 | 30560915 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 05/20/2024 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 304420777 | 32155115 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304440053 | 32286650 |  | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | xxxx | 12/11/2024 |  |  | 1 C A |  | HI | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 304440053 | 32286654 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | xxxx | 12/11/2024 |  |  | 1 A |  | HI | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 304436479 | 32351357 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 12/19/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 304436479 | 32351431 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | xxxx |  |  |  | xxxx | 12/19/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 304436479 | 32434663 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal indicates there is water damage to the roof. A satisfactory inspection form a certified Roof inspector is required |  |  |  | xxxx | 12/19/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 304397826 | 32423317 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 10/07/2024 |  |  | 1 B A |  | IN | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304397826 | 32423318 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 10/07/2024 |  |  | 1 B A |  | IN | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304397826 | 32423319 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | xxxx |  |  |  | xxxx |  |  | 10/25/2024 | 2 B |  | IN | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304397826 | 32423322 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | xxxx |  |  |  | xxxx | 10/09/2024 |  |  | 1 C A |  | IN | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304397826 | 32423323 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Number of units discrepancy. | Appraisal number of units of ___ does not match Guideline number of units of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 10/21/2024 | 2 C B |  | IN | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304397826 | 32423324 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Discrepancy in Unit number and Location type Primary multifamily appraisal shows 6 unit property, where as Secondary BPO shows 7 Unit. Additionally Primary appraisal Shows Location type Suburban and Secondary BPO shows (Rural). (Rural Properties not Not allowed per Guideline). |  |  |  | xxxx | 10/21/2024 |  |  | 1 C A |  | IN | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304397826 | 32423325 |  | Credit | Document Inventory | General | Document Inventory | Final Inspection / 442 does not reflect all required repairs or property completion requirements. |  | xxxx |  |  |  | xxxx | 11/26/2024 |  |  | 1 C A |  | IN | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304637213 | 33089173 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $705.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/20/2025 |  | 1 A |  | GA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304640466 | 33095765 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 04/02/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304640466 | 33095850 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $2,040.44 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 04/02/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304640466 | 33101812 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Calculated Available for Reserves of ___ is less than Guideline Available for Reserves of ___. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score is above 680. | 732 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 09/24/2025 | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304640466 | 33174832 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/02/2025 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304643474 | 33099372 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of the greater of .00000% of the Federal Total Loan Amount and $4045.00 (2025). Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $4,045.00 and $4045.00 (2025) (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304643474 | 33099373 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 05/23/2025 |  | 2 C B |  | PA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 304643474 | 33099374 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 05/23/2025 |  | 2 C B |  | PA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 304641278 | 33208807 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | AR | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304641278 | 33208811 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,817.49 exceeds tolerance of $1,520.00 plus 10% or $1,672.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 04/16/2025 |  | 2 C B |  | AR | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304641278 | 33208813 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $84.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 04/16/2025 |  |  | 1 C A |  | AR | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304641278 | 33208814 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $107.75 exceeds tolerance of $100.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 04/16/2025 |  | 2 C B |  | AR | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304494451 | 33249041 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower |  |  |  |  | xxxx | 04/16/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304494451 | 33249042 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. |  |  |  |  | xxxx | 04/16/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304494451 | 33249043 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. |  |  |  |  | xxxx | 04/16/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304494451 | 33249044 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. |  |  |  |  | xxxx | 04/16/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Non QM | Non QM | Yes |
| 304494451 | 33249045 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. |  |  |  |  | xxxx | 04/16/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304494451 | 33249046 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304494451 | 33249048 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $560.00 exceeds tolerance of $510.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 04/14/2025 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304680597 | 33382690 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304680597 | 33382693 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $6,966.00 exceeds tolerance of $6,853.50. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 05/06/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304680597 | 33382694 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 05/05/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304680597 | 33382695 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | xxxx |  |  |  | xxxx |  | 06/27/2025 |  | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| 304692232 | 33514936 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | xxxx | 06/16/2025 |  |  | 1 A |  | OK | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304692232 | 33514953 |  | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | xxxx |  |  |  | xxxx | 06/16/2025 |  |  | 1 C A |  | OK | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304720421 | 33705689 |  | Credit | Guideline | Guideline Issue | Guideline | Minimum of 600 square feet of gross living area required per company guidelines. |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 25.5 months reserves. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 06/23/2025 | 2 C B |  | HI | Investment | Purchase | C B A | N/A | N/A | No |
| 304726658 | 33874915 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  |  |  |  |  | 2 B |  | KY | Primary | Purchase | B A | Non QM | Non QM | No |
| 304726658 | 33874916 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | KY | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304405506 | 33936487 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 03/27/2025 |  |  | 1 C A D |  | IN | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304705787 | 33936574 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - 1-4 Family not provided |  | xxxx |  |  |  | xxxx | 06/04/2025 |  |  | 1 C A |  | MA | Investment | Purchase | C B A |  | N/A | No |
| 304705787 | 33936575 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | xxxx |  |  |  | xxxx | 06/04/2025 |  |  | 1 C A |  | MA | Investment | Purchase | C B A |  | N/A | No |
| 304705787 | 33936576 |  | Credit | Guideline | Guideline Issue | Guideline | Note has a Prepayment Penalty provision, which is not allowable per guidelines. |  | xxxx |  |  |  | xxxx | 05/23/2025 |  |  | 1 C A |  | MA | Investment | Purchase | C B A |  | N/A | No |
| 304705787 | 33936577 |  | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided |  | xxxx |  |  |  | xxxx | 05/29/2025 |  |  | 1 C A |  | MA | Investment | Purchase | C B A |  | N/A | No |
| 304705787 | 33936579 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide a Clear Capital secondary valuation. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 05/29/2025 | 2 B |  | MA | Investment | Purchase | C B A |  | N/A | No |
| 304708800 | 33936852 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible Property Type per the guidelines. |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 06/16/2025 | 2 C B |  | MA | Investment | Purchase | C B A |  | N/A | No |
| 304734210 | 33955937 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | DE | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304734210 | 33957236 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $134.00 exceeds tolerance of $130.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 07/17/2025 |  | 1 A |  | DE | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304734210 | 33957836 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | xxxx |  |  |  | xxxx | 11/05/2025 |  |  | 1 C A |  | DE | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304734210 | 33957872 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 11/05/2025 |  |  | 1 B A C |  | DE | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 304734210 | 33957873 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 11/05/2025 |  |  | 1 C A |  | DE | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304736333 | 34150700 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $3,869.57 exceeds tolerance of $3,825.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 08/29/2025 |  | 2 C B |  | TN | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304736333 | 34160038 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | xxxx |  |  |  | xxxx |  | 09/04/2025 |  | 2 C B |  | TN | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304732126 | 34168173 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. D B C A | Non QM | Non QM | Yes |
| 304732126 | 34168188 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | xxxx |  |  |  | xxxx | 09/05/2025 |  |  | 1 D A |  | NY | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 304732126 | 34262951 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 11/03/2025 |  |  | 1 C A |  | NY | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 304759938 | 34179811 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | xxxx |  |  |  |  |  |  |  | 2 B |  | MN | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304759938 | 34273297 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score is above 680. | 762 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 09/10/2025 | 2 C B |  | MN | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304750447 | 34167921 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | VA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304750447 | 34167953 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 08/08/2025 |  | 1 A |  | VA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304750447 | 34168060 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 25.36673% DTI | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/29/2025 | 2 C B |  | VA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304750447 | 34168148 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 10/29/2025 |  |  | 1 B A C |  | VA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 304750447 | 34168149 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 10/29/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304750447 | 34275133 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 11/04/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304705576 | 34145197 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | xxxx |  |  |  | xxxx | 05/29/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304705576 | 34145198 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception- Borrower is on TVC watchlist. Compensating factors: 1.04 DSCR, over 5 years experience, and cash reserves. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has owned the subject property for at least 5 years.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects. | Cash reserves $140,608.83.<br>5+ Rental units | SitusAMC,Aggregator<br>SitusAMC<br>Aggregator,SitusAMC | xxxx |  |  | 04/07/2025 | 2 B |  | NC | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304705576 | 34145199 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Issue: Refinance seasoning requirements not met |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has owned the subject property for at least 5 years.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects. | Cash reserves $140,608.83.<br>5+ Rental units | SitusAMC,Aggregator<br>SitusAMC<br>Aggregator,SitusAMC | xxxx |  |  | 04/07/2025 | 2 B |  | NC | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304760390 | 34194894 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | MO | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304760390 | 34194979 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-2,521.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/07/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304754651 | 34196517 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 08/29/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304749739 | 34197497 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | AR | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304749739 | 34197499 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Arkansas High-Cost Loan (Points and Fees) | Arkansas Home Loan Protection Act: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Total Loan Amount. Points and Fees total $xxxx on a Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Compliant High Cost Loan. | xxxx |  |  |  | xxxx | 08/28/2025 |  |  | 1 C A |  | AR | Primary | Refinance - Cash-out - Other | Within 30 days of closing, and before any notice from borrower of compliance failure, provide: (1) Letter of Explanation; (2) refund of amount over the high-cost threshold maximum; and (3) proof of mailing (must be in transit with courier).<br>(Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 60 days of closing, provide: <br> (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the high-cost threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | Non QM | Non QM | Yes |
| 304760513 | 34204343 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) |  |  |  |  | xxxx | 09/02/2025 |  |  | 1 C A |  | AL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304760513 | 34204344 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower |  |  |  |  | xxxx | 09/02/2025 |  |  | 1 C A |  | AL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304760513 | 34204345 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. |  |  |  |  | xxxx | 09/02/2025 |  |  | 1 C A |  | AL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304760513 | 34204346 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. |  |  |  |  | xxxx | 09/02/2025 |  |  | 1 C A |  | AL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304760513 | 34204347 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. |  |  |  |  | xxxx | 09/02/2025 |  |  | 1 C A |  | AL | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Non QM | Non QM | Yes |
| 304760513 | 34204349 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. |  |  |  |  | xxxx | 09/02/2025 |  |  | 1 C A |  | AL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304760513 | 34204350 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | AL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304760513 | 34280316 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $65.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 08/25/2025 |  | 1 A |  | AL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304766837 | 34204309 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $171.50 exceeds tolerance of $78.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 08/14/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304760514 | 34203862 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of xxxx on Final Closing Disclosure provided on xx/xx/xxxx are underdisclosed. | xxxx |  |  |  | xxxx |  | 10/07/2025 |  | 2 C B |  | CO | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304760514 | 34203869 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | CO | Primary | Refinance - Cash-out - Other | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304760514 | 34203883 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (1st Lien, Escrow Not Established) | Federal Higher-Priced Mortgage Loan (2013): Mandatory escrow account not established on 1st lien mortgage loan. | xxxx |  |  |  | xxxx | 10/07/2025 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | If escrow was established before consummation for one impound item but not the other (e.g. taxes but not insurance), cure available by escrowing item that was not previously included. Proof of new escrow setup required.<br> If no escrow account was established at or before consummation, no cure available. C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304760514 | 34203884 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 1.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx |  |  |  | xxxx | 10/07/2025 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304760514 | 34659040 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of xxxx on Final Closing Disclosure provided on xx/xx/xxxx are underdisclosed. |  |  |  |  | xxxx |  | 10/15/2025 |  | 2 B |  | CO | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304760514 | 34659041 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. |  |  |  |  | xxxx |  | 10/15/2025 |  | 2 B |  | CO | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304760514 | 34659045 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. | xxxx |  |  |  | xxxx |  | 10/15/2025 |  | 2 B |  | CO | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304721809 | 34212852 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. |  | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>The representative FICO score is above 680. | 738 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 09/17/2025 | 2 C B |  | KS | Primary | Refinance - Cash-out - Other | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304721809 | 34212918 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 08/15/2025 |  | 1 A |  | KS | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304764444 | 34210622 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | NC | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304750489 | 34212987 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |  |  |  |  |  |  |  | 2 B |  | CO | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304750489 | 34302531 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $770.00 exceeds tolerance of $680.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 08/26/2025 |  | 1 A |  | CO | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304693238 | 34180145 |  | Credit | Missing Document | General | Missing Document | Missing Document: Explanation Letter not provided |  | xxxx |  |  |  | xxxx | 06/13/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A |  | N/A | No |
| 304693238 | 34180146 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 06/19/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A |  | N/A | No |
| 304693238 | 34180148 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 06/24/2025 |  |  | 1 A |  | NJ | Investment | Purchase | C A |  | N/A | No |
| 304693238 | 34180149 |  | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require |  | xxxx |  |  |  | xxxx | 07/23/2025 |  |  | 1 A |  | NJ | Investment | Purchase | C A |  | N/A | No |
| 304734644 | 34180215 |  | Credit | Business Purpose | General | Business Purpose | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 07/16/2025 | 2 C B |  | OH | Investment | Purchase | C B A |  | N/A | No |
| 304764429 | 34260410 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304764429 | 34260412 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $5,827.00 exceeds tolerance of $2,844.00 plus 10% or $3,128.40. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 10/27/2025 |  | 2 C B |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304751879 | 34251785 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |  |  |  |  |  |  |  | 2 B |  | LA | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304768003 | 34269346 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower |  |  |  |  | xxxx | 10/20/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304768003 | 34269347 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. |  |  |  |  | xxxx | 10/20/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304768003 | 34269348 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. |  |  |  |  | xxxx | 10/20/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304768003 | 34269349 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. |  |  |  |  | xxxx | 10/20/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Non QM | Non QM | Yes |
| 304768003 | 34269350 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. |  |  |  |  | xxxx | 10/20/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304768003 | 34269351 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  | xxxx |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304768003 | 34269365 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304759909 | 34271850 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304732700 | 34270025 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304732700 | 34270038 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower |  |  |  |  | xxxx | 09/18/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304732700 | 34270039 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. |  |  |  |  | xxxx | 09/18/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304732700 | 34270040 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. |  |  |  |  | xxxx | 09/18/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304732700 | 34270041 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. |  |  |  |  | xxxx | 09/18/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Non QM | Non QM | Yes |
| 304732700 | 34270042 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (2015 Counseling Requirement) | Truth in Lending Act (HOEPA): Pre-loan counseling requirements not met. |  |  |  |  | xxxx | 09/18/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304732700 | 34270044 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304755101 | 34272494 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $540.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/14/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304755101 | 34718581 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $540.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. |  |  |  |  | xxxx |  | 10/14/2025 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304765862 | 34278159 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $2,326.41 exceeds tolerance of $1,950.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 08/25/2025 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A B | Non QM | Non QM | Yes |
| 304765862 | 34475613 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. A B | Non QM | Non QM | Yes |
| 304763249 | 34278120 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $550.00 exceeds tolerance of $515.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 08/25/2025 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A B | Non QM | Non QM | Yes |
| 304763249 | 34515586 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. A B | Non QM | Non QM | Yes |
| 304769730 | 34279921 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on xx/xx/xxxx are overdisclosed. | xxxx |  |  |  | xxxx |  | 11/07/2025 |  | 2 C B |  | TX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 304769730 | 34279922 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on xx/xx/xxxx are underdisclosed. | xxxx |  |  |  | xxxx |  | 11/07/2025 |  | 2 C B |  | TX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 304769730 | 34279923 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan will have an escrow account. | xxxx |  |  |  | xxxx |  | 11/07/2025 |  | 2 C B |  | TX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 304769730 | 34279924 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan will have an escrow account. | xxxx |  |  |  | xxxx |  | 11/07/2025 |  | 2 C B |  | TX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 304769730 | 34281078 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 38.56068% DTI | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/07/2025 | 2 C B |  | TX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 304769730 | 34281135 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 10/07/2025 |  |  | 1 B A C |  | TX | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 304769730 | 34281141 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 10/07/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 304769730 | 34282001 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $190.00 exceeds tolerance of $95.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 08/25/2025 |  | 1 A |  | TX | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304764094 | 34298290 |  | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Counseling Agencies Disclosure Not in File | Maryland HB1399 - No evidence of required counseling disclosure language per Maryland HB 1399. | xxxx |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Purchase | B A | Non QM | Non QM | No |
| 304764094 | 34298291 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | xxxx |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Purchase | B A | Non QM | Non QM | No |
| 304764094 | 34298292 |  | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 1.5%, or xxxx%. Non-Compliant Higher Priced Loan. | xxxx |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Purchase | B A | Non QM | Non QM | No |
| 304749738 | 34296882 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | IN | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304749738 | 34296961 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 08/26/2025 |  | 1 A |  | IN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304765349 | 34302044 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $725.00 exceeds tolerance of $700.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 08/26/2025 |  | 1 A |  | WA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304756875 | 34297758 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-4,264.14 exceeds tolerance of $-5,253.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 09/23/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304811434 | 34301196 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $550.00 exceeds tolerance of $525.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 08/26/2025 |  | 1 A |  | IL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304811434 | 34301197 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $262.40 exceeds tolerance of $250.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 08/26/2025 |  | 1 A |  | IL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304811434 | 34301198 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $469.95 exceeds tolerance of $400.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 08/26/2025 |  | 1 A |  | IL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304756784 | 34324335 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 10/28/2025 |  |  | 1 C A |  | IA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304756784 | 34324336 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 10/28/2025 |  |  | 1 C A |  | IA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304764442 | 34401385 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $989.17 exceeds tolerance of $722.00 plus 10% or $794.20. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 09/10/2025 |  | 1 A |  | WA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304682535 | 34281427 |  | Property | Property - Appraisal | Appraisal Data Integrity | Property - Appraisal | Square feet on the Appraisal does not match the square feet on the BPO. |  | xxxx |  |  |  | xxxx | 06/04/2025 |  |  | 1 C A |  | IL | Investment | Purchase | C A |  | N/A | No |
| 304693248 | 34281437 |  | Credit | Document Inventory | General | Document Inventory | Final Inspection / 442 does not reflect all required repairs or property completion requirements. |  | xxxx |  |  |  | xxxx | 06/18/2025 |  |  | 1 C A |  | IL | Investment | Purchase | C A |  | N/A | No |
| 304681523 | 34281492 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception reflected on UW Narrative to proceed with 1 or 3 units presently vacant. Unable to provide proof of rent for month to month lease due to cash deposits. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Debt Service Coverage Ratio: 1.81<br> Guideline Requirement: 1.00<br>Guidelines Representative FICO: 680<br> Representative FICO: 767 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 06/12/2025 | 2 C B |  | MO | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304681523 | 34281493 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | xxxx | 06/16/2025 |  |  | 1 A |  | MO | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304708951 | 34281497 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | xxxx |  |  |  | xxxx | 06/10/2025 |  |  | 1 D A |  | RI | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 304708951 | 34281498 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception on tape requested to accept all month to month leases on a 6 unit property. Guideline specify must have a 12 month lease or a prior 12 month lease. Exception approved to allow month to month lease. Documentation in file includes 3 months receipt of payment for units. Borrower has chosen to keep long term tenant under month to month agreement. | Borrower has owned the subject property for at least 5 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 06/03/2025 | 2 B |  | RI | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 304708951 | 34281499 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Vacant unit and property has been owned > 6 months. Guidelines state > 6 months refinances all units must be occupied and leased. Narrative states a lease and 2 months rent provided however, not in file. |  |  |  | xxxx | 06/12/2025 |  |  | 1 C A |  | RI | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 304750234 | 34281656 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | xxxx | 08/04/2025 |  |  | 1 C A |  | WV | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304789535 | 34335236 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304769633 | 34355250 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | OH | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304769633 | 34355253 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $1,887.88 exceeds tolerance of $1,668.10. $219.78 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 10/28/2025 |  | 2 C B |  | OH | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304750020 | 34364180 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | AL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304768650 | 34521793 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 09/25/2025 |  |  | 1 C A |  | PA | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 304768650 | 34601470 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 5.87216% DTI | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 09/30/2025 | 2 B |  | PA | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 304758773 | 34371846 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 09/24/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | No Defined Cure A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304817852 | 34372092 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  |  |  |  |  | 2 B |  | AZ | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304817855 | 34373664 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | AL | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304817855 | 34523102 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | AL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304768851 | 34374791 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | NC | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304818381 | 34393796 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304729314 | 34398357 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304818380 | 34400875 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304818380 | 34400877 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 09/29/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| 304818380 | 34401060 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304823336 | 34414141 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |  |  |  |  |  |  |  | 2 B |  | CO | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304823336 | 34414174 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | CO | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304823336 | 34414176 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $625.00 exceeds tolerance of $575.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 09/11/2025 |  | 1 A |  | CO | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304768570 | 34411832 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | KY | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304768570 | 34411841 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |  |  |  |  |  |  |  | 2 B |  | KY | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304768570 | 34411854 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 09/11/2025 |  | 1 A |  | KY | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304813330 | 34413577 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 09/11/2025 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304777835 | 34413411 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |  |  |  |  |  |  |  | 2 B |  | KY | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304777835 | 35246233 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. |  |  |  |  |  |  |  |  | 2 B |  | KY | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304777835 | 35246234 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. |  |  |  |  |  |  |  |  | 2 B |  | KY | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304777835 | 35246235 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. |  |  |  |  |  |  |  |  | 2 B |  | KY | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304819348 | 34414137 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304819348 | 34414280 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  | xxxx |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304819348 | 34414282 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304819348 | 34414283 |  | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 1.5%, or xxxx%. Non-Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304819348 | 34414284 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Maryland Covered Loan (Points and Fees) | Maryland Predatory Lending Law: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 4.00000% of the Total Loan Amount. Points and Fees total $xxxx on a Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Compliant High Cost Loan. |  |  |  |  | xxxx | 10/07/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | No obvious cure C B A | Non QM | Non QM | No |
| 304819348 | 34551863 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $325.00 exceeds tolerance of $200.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 09/25/2025 |  | 1 A |  | MD | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304756708 | 34444949 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | xxxx |  |  |  | xxxx | 08/04/2025 |  |  | 1 C A |  | CT | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304827062 | 34472340 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 09/16/2025 |  | 1 A |  | NC | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304822903 | 34481702 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | CO | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304822903 | 34481787 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | CO | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304825295 | 34481295 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 10/14/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304825295 | 34481375 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 10/14/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 304825295 | 34481376 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 10/14/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304825295 | 34481379 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 53.46442% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx |  |  |  | xxxx | 10/14/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304825295 | 34481381 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $775.00 exceeds tolerance of $625.00. $150.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/03/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304825295 | 34481383 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Underwriting Fee. Fee Amount of $1,195.00 exceeds tolerance of $0.00. $1,195.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 10/29/2025 |  | 2 C B |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304833308 | 34482073 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304749954 | 34491925 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $195.00 exceeds tolerance of $0.00. $195.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 11/04/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304833302 | 34498065 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |  |  |  | xxxx | 10/01/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Non QM | Non QM | Yes |
| 304833302 | 34498071 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304833302 | 34498074 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx |  |  |  | xxxx | 10/01/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304833302 | 34498075 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx |  |  |  | xxxx | 10/01/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304833302 | 34498076 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx |  |  |  | xxxx | 10/01/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304833302 | 34498077 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx |  |  |  | xxxx | 10/01/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304828411 | 34497952 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of the greater of .00000% of the Federal Total Loan Amount and $4045.00 (2025). Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $4,045.00 and $4045.00 (2025) (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304823320 | 34518609 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated xx/xx/xxxx). The disclosed Total of Payments in the amount of $xxxx is under disclosed by $xxxx compared to the calculated total of payments of $xxxx which exceeds the $100.00 threshold. | xxxx |  |  |  | xxxx |  | 10/28/2025 |  | 2 C B |  | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 304819350 | 34517152 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304769950 | 34514620 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception on tape. Approval granted to use alternative credit tradeline for co-borrower. Co-borrower provided 12-months of utility bills. Compensating factors DSCR > 1.70, Low LTV. 120K+ in excess reserves. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 08/19/2025 | 2 B |  | IL | Investment | Purchase | B A |  | N/A | No |
| 304769973 | 34514642 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects a different lender. Appraisal transfer letter is provided. Exception approval for the transferred appraisal is found on the UW Narrative and proof of paid invoice required by the exception approval is also provided. |  |  |  | xxxx | 08/25/2025 |  |  | 1 C A |  | MS | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304827680 | 34526328 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | OH | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304765325 | 34536731 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304765325 | 34536734 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $4,715.28 exceeds tolerance of $4,243.00. $472.28 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 11/06/2025 |  |  | 1 C A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304840911 | 34539602 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304840911 | 34539642 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304823106 | 34549099 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304823106 | 34549101 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304825141 | 34577845 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304840921 | 34577593 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | NM | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304825582 | 34577875 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | AZ | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304823436 | 34591255 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304823436 | 34591257 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $324.90 exceeds tolerance of $299.00. Sufficient or excess cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 09/29/2025 |  | 1 A |  | IL | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Non QM | Non QM | Yes |
| 304823436 | 34591258 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of $125.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 09/29/2025 |  | 1 A |  | IL | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Non QM | Non QM | Yes |
| 304839685 | 34597338 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx |  |  |  | xxxx | 10/10/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304839685 | 34597339 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx |  |  |  | xxxx | 10/10/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304839685 | 34597340 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx |  |  |  | xxxx | 10/10/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304839685 | 34597341 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. |  |  |  |  | xxxx | 10/10/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Non QM | Non QM | Yes |
| 304839685 | 34597342 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx |  |  |  | xxxx | 10/10/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304839685 | 34597343 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | VA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304839685 | 34597478 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | VA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304842860 | 34597031 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304842860 | 34597173 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304825140 | 34599026 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $2,512.81 exceeds tolerance of $2,395.94. $116.87 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/16/2025 |  |  | 1 C A |  | AL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304825140 | 34657700 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | AL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304826948 | 34597354 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | CO | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304825116 | 34605404 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx |  |  |  | xxxx | 11/03/2025 |  |  | 1 C A |  | OK | Primary | Purchase | C A | Non QM | Non QM | No |
| 304825116 | 34605405 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx |  |  |  | xxxx | 11/03/2025 |  |  | 1 C A |  | OK | Primary | Purchase | C A | Non QM | Non QM | No |
| 304825116 | 34605406 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx |  |  |  | xxxx | 11/03/2025 |  |  | 1 C A |  | OK | Primary | Purchase | C A | Non QM | Non QM | No |
| 304825116 | 34605407 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |  |  |  | xxxx | 11/03/2025 |  |  | 1 C A |  | OK | Primary | Purchase | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C | Non QM | Non QM | Yes |
| 304825116 | 34605408 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx |  |  |  | xxxx | 11/03/2025 |  |  | 1 C A |  | OK | Primary | Purchase | C A | Non QM | Non QM | No |
| 304825116 | 34605409 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  | xxxx | 11/03/2025 |  |  | 1 B A |  | OK | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C A | Non QM | Non QM | Yes |
| 304825116 | 34605412 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $615.00 exceeds tolerance of $600.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/01/2025 |  | 1 A |  | OK | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304825116 | 34605413 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $119.31 exceeds tolerance of $75.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/01/2025 |  | 1 A |  | OK | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304844621 | 34605478 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score is above 680. | Good credit and employment history. Consolidating debts | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/07/2025 | 2 B |  | MN | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304844621 | 34605494 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | MN | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304846385 | 34612781 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | MN | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304846308 | 34649285 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $176.50 exceeds tolerance of $154.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 10/06/2025 |  | 1 A |  | IL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304846308 | 34649289 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided |  |  |  |  |  | xxxx | 10/21/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C A | Non QM | Non QM | No |
| 304839035 | 34649686 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | NC | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304839035 | 34649748 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | NC | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304839035 | 34735123 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | NC | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304848641 | 34679428 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304818321 | 34672777 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | xxxx |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304818321 | 34730880 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304828115 | 34674508 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 10/16/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | No Defined Cure A | Non QM | Non QM | No |
| 304828115 | 34740512 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after xx/xx/xxxx contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation | xxxx |  |  |  | xxxx | 10/17/2025 |  |  | 1 A |  | VA | Primary | Refinance - Cash-out - Other | TRID timing exception, no remediation available. C A | Non QM | Non QM | No |
| 304846884 | 34684707 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-418.99 exceeds tolerance of $-1,028.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 11/04/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304833304 | 34712420 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | OH | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304833304 | 34712832 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/13/2025 |  | 1 A |  | OH | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304833304 | 34724403 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | OH | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304822855 | 34711361 |  | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | xxxx |  |  |  | xxxx | 10/17/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304822855 | 34730987 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304846997 | 34710039 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | The transaction closed as a refinance of a primary residence, and the valuation reflects that the subject property is vacant. Unable to verify occupancy. |  | xxxx |  |  |  | xxxx | 10/24/2025 |  |  | 1 C A |  | CO | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 304846997 | 34710061 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | CO | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 304846997 | 34710117 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $129.00 exceeds tolerance of $86.00 plus 10% or $94.60. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 10/13/2025 |  | 1 A |  | CO | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304769731 | 34729532 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $100.00 exceeds tolerance of $0.00. $100.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/19/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304846998 | 34730021 |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing | FDPA Notification Rule: Creditor did not retain record of borrower's receipt of Notice of Special Flood Hazard Disclosure. | xxxx |  |  |  | xxxx | 10/18/2025 |  |  | 1 B A |  | FL | Second Home | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304843025 | 34731562 |  | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. | xxxx |  |  |  |  |  |  |  | 2 B |  | OH | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304843025 | 34731566 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $5,500.00 exceeds tolerance of $2,135.00. $3,365.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/19/2025 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304843025 | 34733107 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | OH | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304848984 | 34739021 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx |  |  |  | xxxx | 10/17/2025 |  |  | 1 C A |  | SC | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 304860681 | 34739047 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304860681 | 34739055 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $400.00 exceeds tolerance of $300.00. $100.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/21/2025 |  |  | 1 C A |  | PA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304847537 | 34739258 |  | Compliance | Compliance | State Compliance | State Defect | Illinois SB 1894 | IL Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. | xxxx |  |  |  | xxxx | 10/23/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304847537 | 34739443 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304780015 | 34742298 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Additional 3-Day Waiting Period Timing Test – Regular Transaction | TILA-RESPA Integrated Disclosure – Most recent Closing Disclosure received at least 3 days prior to closing dated xx/xx/xxxx disclosed an inaccurate APR of xxxx% compared to the actual APR at consummation of xxxx% and a revised CD disclosing an accurate APR was not received by borrower at least three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 10/22/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | TRID timing exception, no remediation available. C B A | Non QM | Non QM | No |
| 304780015 | 34742299 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $4,565.78 exceeds tolerance of $4,055.00. $510.78 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/22/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304780015 | 34742300 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $56.00 exceeds tolerance of $0.00. $56.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 11/14/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304780015 | 34762887 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | AZ | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304840839 | 34749521 |  | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 302 months reserves. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/23/2025 | 2 C B |  | OK | Investment | Purchase | C B A |  | N/A | No |
| 304825097 | 34752856 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xx/xx/xxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | xxxx |  |  |  | xxxx | 11/12/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 304825097 | 34754684 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 calendar days of the Note. |  | xxxx |  |  |  | xxxx | 10/20/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 304825097 | 34754694 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. | xxxx |  |  |  | xxxx | 10/20/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 304825097 | 34754696 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | xxxx |  |  |  | xxxx | 10/20/2025 |  |  | 1 B A C |  | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| 304825097 | 34754697 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | xxxx |  |  |  | xxxx | 10/20/2025 |  |  | 1 A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 304861600 | 34761132 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |  |  |  |  |  |  |  | 2 B |  | SC | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304861600 | 34763230 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | SC | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304844612 | 34761698 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | CO | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304865426 | 34768280 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower |  |  |  |  | xxxx | 11/06/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304865426 | 34768281 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. |  |  |  |  | xxxx | 11/06/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304865426 | 34768282 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. |  |  |  |  | xxxx | 11/06/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304865426 | 34768283 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. |  |  |  |  | xxxx | 11/06/2025 |  |  | 1 C A |  | FL | Primary | Purchase | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Non QM | Non QM | Yes |
| 304865426 | 34768284 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. |  |  |  |  | xxxx | 11/06/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304865426 | 34768285 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  | xxxx |  |  |  | 2 B |  | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304840462 | 34766678 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $605.00 exceeds tolerance of $555.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/21/2025 |  | 1 A |  | AL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304840462 | 34768289 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $605.00 exceeds tolerance of $555.00. $50.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/28/2025 |  |  | 1 C A |  | AL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304840462 | 34768420 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $4,873.43 exceeds tolerance of $0.00. $4,873.43 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/28/2025 |  |  | 1 C A |  | AL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304840462 | 34768885 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | AL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304874053 | 34775027 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | B A | Non QM | Non QM | No |
| 304874052 | 34775269 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304874037 | 34792611 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. |  | xxxx |  |  |  | xxxx | 10/27/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304874034 | 34792876 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2025). FNMA Finance Charge total $xxxx on a Original Loan Amount of $xxxx vs. an allowable total of $xxxx and $1000.00 (2025) (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | HI | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | N/A | N/A | Yes |
| 304874034 | 34799726 |  | Credit | Guideline | Guideline Issue | Guideline | Minimum of 600 square feet of gross living area required per company guidelines. |  | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 18.89270% DTI | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/27/2025 | 2 C B |  | HI | Investment | Purchase | C B A | N/A | N/A | No |
| 304874024 | 34774813 |  | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  |  | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | 774 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 11/19/2025 | 2 C B |  | TX | Investment | Purchase | C B A |  | N/A | No |
| 304874024 | 34774814 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | xxxx | 10/23/2025 |  |  | 1 B A |  | TX | Investment | Purchase | C B A |  | N/A | No |
| 304874024 | 34782348 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | xxxx |  |  |  | xxxx | 10/30/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C B A |  | N/A | No |
| 304874058 | 34858553 |  | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  |  | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | 793 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 11/05/2025 | 2 C B |  | WI | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304874058 | 34864898 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | xxxx |  |  |  | xxxx | 11/05/2025 |  |  | 1 C A |  | WI | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304874058 | 34864938 |  | Credit | Credit | Credit Documentation | Credit | There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan. |  |  | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | 793 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 11/05/2025 | 2 C B |  | WI | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304874027 | 34775118 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | xxxx |  |  |  | xxxx | 10/28/2025 |  |  | 1 C A |  | WA | Investment | Purchase | C A |  | N/A | No |
| 304865220 | 34775908 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |  |  |  |  |  |  |  | 2 B |  | TN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304865220 | 34775953 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $357.42 exceeds tolerance of $317.00. $40.42 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/24/2025 |  |  | 1 C A |  | TN | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304865220 | 34792401 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $357.42 exceeds tolerance of $317.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/24/2025 |  | 1 A |  | TN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304849031 | 34775631 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible Property Type. | Property Type: ___ | xxxx | Borrower has worked in the same position for more than 3 years.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score is above 680. | Over 5 years with current employer. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/22/2025 | 2 B |  | KY | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304849031 | 34775719 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | KY | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304826966 | 34775619 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304826966 | 34776264 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $2,553.51 exceeds tolerance of $510.00. $2,043.51 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/24/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304826966 | 34776387 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | CPA letter provided does not state the withdrawal of the funds to close will not negatively impact the business. |  |  |  | xxxx | 11/05/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304842858 | 34795571 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $625.00 exceeds tolerance of $599.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/24/2025 |  | 1 A |  | MO | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304842858 | 34801734 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | MO | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304848115 | 34791863 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304848115 | 34793786 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Provide evidence that the business is currently active and has been in existence for at least two (2) years. CPA letter provided does not meet the minimum requirements. |  |  |  | xxxx | 11/18/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304848115 | 34793833 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 11/18/2025 |  |  | 1 B A C |  | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 304848115 | 34793834 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 11/18/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304854949 | 34793276 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $110.00 exceeds tolerance of $97.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/24/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304821122 | 34792118 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 304821122 | 34792137 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304821122 | 34792140 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Additional 3-Day Waiting Period Timing Test – Regular Transaction | TILA-RESPA Integrated Disclosure – Most recent Closing Disclosure received at least 3 days prior to closing dated xx/xx/xxxx disclosed an inaccurate APR of xxxx% compared to the actual APR at consummation of xxxx% and a revised CD disclosing an accurate APR was not received by borrower at least three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 10/31/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Rate/Term | TRID timing exception, no remediation available. C B A | Non QM | Non QM | No |
| 304821122 | 34792141 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after xx/xx/xxxx contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation | xxxx |  |  |  | xxxx | 10/31/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Rate/Term | TRID timing exception, no remediation available. C B A | Non QM | Non QM | No |
| 304821122 | 34792142 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,666.90 exceeds tolerance of $1,648.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/24/2025 |  | 1 A |  | FL | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304846313 | 34792662 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/24/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304849326 | 34804213 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 10/30/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| 304849326 | 34812890 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | NJ | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304857397 | 34792493 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304868295 | 34792521 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 10/30/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304868295 | 34792539 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304865135 | 34803997 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304865135 | 34804248 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-836.50 exceeds tolerance of $-1,711.50. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/31/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304865049 | 34804637 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Purchase | B A | Non QM | Non QM | No |
| 304840875 | 34810927 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304860691 | 34850708 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304870030 | 34854822 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304870030 | 34854824 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $1,116.00 exceeds tolerance of $366.00. $750.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 11/20/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304868117 | 34849454 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304868117 | 34849457 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $180.00 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 10/30/2025 |  | 1 A |  | PA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304845364 | 34850879 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $2,700.00 exceeds tolerance of $1,650.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 10/30/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304871988 | 34852060 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304871988 | 34852065 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Originator Compensation. Fee Amount of $7,713.75 exceeds tolerance of $0.00. $7,713.75 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 11/20/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304840878 | 34853193 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 11/05/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304840878 | 34853195 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | xxxx |  |  |  | xxxx | 11/05/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304840878 | 34853245 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304840878 | 34853247 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 11/05/2025 |  |  | 1 B A C |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 304840878 | 34853248 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 11/05/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304840878 | 34853249 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 121.53096% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | xxxx |  |  |  | xxxx | 11/05/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304840878 | 34853250 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $675.00 exceeds tolerance of $525.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/30/2025 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304849019 | 34859003 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible Property Type per the guidelines. |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 11/03/2025 | 2 B |  | TN | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304849019 | 34859043 |  | Credit | Credit | Credit Documentation | Credit | There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan. |  | xxxx |  |  |  | xxxx | 11/07/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304874780 | 34858937 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $89.07 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 10/31/2025 |  | 1 A |  | AZ | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304865206 | 34863215 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 11/04/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 304872019 | 34870270 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | NJ | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304869349 | 34859283 |  | Compliance | TRID | Document Error | TRID | Loan Estimate: Dates are not in chronological order. | - Issue Date: ___; Received Date: ___; Signed Date: ___ | xxxx |  |  |  |  |  |  |  | 2 B |  | OH | Primary | Purchase | B A | Non QM | Non QM | No |
| 304869349 | 34859314 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $97.00 exceeds tolerance of $95.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/31/2025 |  | 1 A |  | OH | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304758973 | 34873937 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304874524 | 34872090 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304874524 | 34872093 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 11/05/2025 |  |  | 1 C A |  | PA | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| 304860235 | 34891128 |  | Compliance | Compliance | State Compliance | State Defect | West Virginia Residential Mortgage Lender, Broker, and Servicer Act (Borrower Not Charged for Actual Amounts of Third Party Fees) | West Virginia Residential Mortgage Lender, Broker and Servicer Act: No evidence in file to support that the borrower was charged the actual amounts for all third party fees. |  |  |  |  | xxxx | 11/19/2025 |  |  | 1 C A |  | WV | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304860235 | 34891132 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 11/19/2025 |  |  | 1 C A |  | WV | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| 304860235 | 34891136 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | WV | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304860235 | 34893090 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | WV | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304871508 | 34891100 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $400.00 exceeds tolerance of $398.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 11/04/2025 |  | 1 A |  | NJ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304873089 | 34894895 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304856473 | 34889814 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 11/07/2025 |  |  | 1 C A |  | CO | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| 304858949 | 34911320 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | WA | Second Home | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304873555 | 34909540 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304875152 | 34910951 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Second Home | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304871990 | 34919807 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | SC | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304858895 | 34918634 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304876008 | 34932955 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 11/07/2025 |  | 1 A |  | AL | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) A | Non QM | Non QM | Yes |
| 304865134 | 34937614 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 11/17/2025 |  |  | 1 C A |  | MA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304849333 | 34932814 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | AR | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304849333 | 34937738 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 11/11/2025 |  |  | 1 C A |  | AR | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| 304870077 | 34931940 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 304870077 | 34931943 |  | Compliance | Compliance | State Compliance | State Defect | Illinois SB 1894 | IL Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. | xxxx |  |  |  | xxxx | 11/10/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 304870077 | 34931944 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $214.00 exceeds tolerance of $120.00 plus 10% or $132.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 11/07/2025 |  | 1 A |  | IL | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304870077 | 34931945 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $650.00 exceeds tolerance of $525.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 11/07/2025 |  | 1 A |  | IL | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304873560 | 34940981 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 11/12/2025 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | No Defined Cure A | Non QM | Non QM | No |
| 304871989 | 34941516 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304875150 | 34942128 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | MA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. D B A | Non QM | Non QM | Yes |
| 304875150 | 34942131 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $360.00 exceeds tolerance of $310.00 plus 10% or $341.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 11/10/2025 |  | 1 A |  | MA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304875150 | 34944772 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | xxxx | 11/11/2025 |  |  | 1 D A |  | MA | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| 304758483 | 34941156 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Good credit and reserves. Lower payment | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 11/10/2025 | 2 B |  | GA | Primary | Purchase | B A | Non QM | Non QM | No |
| 304758483 | 34941184 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,932.00 exceeds tolerance of $2,401.00 plus 10% or $2,641.10. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 11/10/2025 |  | 1 A |  | GA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304874406 | 34950501 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304887764 | 34950456 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | B A | Non QM | Non QM | No |
| 304887764 | 34950481 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $650.00 exceeds tolerance of $525.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 11/11/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304887768 | 34952408 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 11/17/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
| 304887768 | 34952412 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 11/17/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
| 304887768 | 34952415 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 11/17/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
| 304871518 | 34951460 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>The representative FICO score is above 680. | Disposable income over $5,000/month. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 11/12/2025 | 2 B |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304871518 | 34952005 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,476.34 exceeds tolerance of $1,305.00 plus 10% or $1,435.50. $40.84 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 11/17/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304871518 | 35001499 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,476.34 exceeds tolerance of $1,305.00 plus 10% or $1,435.50. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 11/17/2025 |  | 1 A |  | MI | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304873993 | 34956153 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $149.84 exceeds tolerance of $135.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 11/11/2025 |  | 1 A |  | MI | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304877939 | 34949914 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $89.75 exceeds tolerance of $80.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 11/11/2025 |  | 1 A |  | NC | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304873977 | 34952300 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2025). FNMA Finance Charge total $xxxx on a Original Loan Amount of $xxxx vs. an allowable total of $xxxx and $1000.00 (2025) (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | MI | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | N/A | N/A | Yes |
| 304869255 | 34972813 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | B A | Non QM | Non QM | No |
| 304842871 | 34972860 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 11.34875% DTI | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 11/13/2025 | 2 B |  | CA | Second Home | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| 304842871 | 34972932 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $800.00 exceeds tolerance of $650.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 11/13/2025 |  | 1 A |  | CA | Second Home | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304874779 | 34971713 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304848287 | 34974181 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304876089 | 34974360 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $70.00 exceeds tolerance of $50.00 plus 10% or $55.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 11/13/2025 |  | 1 A |  | AZ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304875129 | 34979938 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
| 304875129 | 34979968 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $504.95 exceeds tolerance of $500.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 11/13/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304887766 | 34972464 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | NC | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 304887766 | 34972487 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | NC | Primary | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304887766 | 34972500 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has verified disposable income of at least $2500.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 19.61688% DTI | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 11/26/2025 | 2 C B |  | NC | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 304887766 | 34972518 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 11/26/2025 |  |  | 1 B A C |  | NC | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 304887766 | 34972520 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 11/26/2025 |  |  | 1 C A |  | NC | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 304887766 | 34980463 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $850.00 exceeds tolerance of $595.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 11/13/2025 |  | 1 A |  | NC | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304892078 | 34974053 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304892078 | 34974056 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $56.00 exceeds tolerance of $0.00. $56.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 11/24/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304878901 | 34973173 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | NC | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304878901 | 34973342 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of the greater of .00000% of the Federal Total Loan Amount and $4045.00 (2025). Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $4,045.00 and $4045.00 (2025) (an overage of $xxxx or xxxx%). |  |  |  |  | xxxx | 11/18/2025 |  |  | 1 B A |  | NC | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304878901 | 34973345 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) North Carolina High-Cost Loan (Points and Fees) | North Carolina Anti-Predatory Lending Law: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Total Loan Amount. Points and Fees total $xxxx on a Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Compliant High Cost Loan. | xxxx |  |  |  | xxxx | 11/18/2025 |  |  | 1 C A |  | NC | Primary | Refinance - Cash-out - Other | Within 30 days of loan closing and prior to receiving notice from the borrower provide: <br> (1) Lender Attestation of no notice from the borrower of the failure; (2) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (3) Assuming option (a) is selected, a copy of refund check and proof of mailing (must be in transit with courier); (4) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted.<br>(Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 60 days of discovery, provide: <br> (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) signed borrower choice letter to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (5) If option 4(a) is selected, copy of refund check and proof of mailing (must be in transit with courier); (6) If option 4(b) is selected, proof of cure for each of the prohibited practice violations. Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | Non QM | Non QM | Yes |
| 304878901 | 34973346 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $94.00 exceeds tolerance of $92.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 11/13/2025 |  | 1 A |  | NC | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304877927 | 34983919 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304877927 | 34987203 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Certification Fee. Fee Amount of $194.25 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 11/14/2025 |  | 1 A |  | IL | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304877927 | 34987204 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $95.00 exceeds tolerance of $89.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 11/14/2025 |  | 1 A |  | IL | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304891149 | 34991672 |  | Credit | Missing Document | General | Missing Document | Missing Document: Explanation Letter not provided |  | xxxx |  |  |  | xxxx | 11/17/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| 304876101 | 34987122 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304875161 | 34988503 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $440.00 exceeds tolerance of $360.00 plus 10% or $396.00. $44.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 11/19/2025 |  |  | 1 C A |  | MA | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304875161 | 34988504 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,200.00 exceeds tolerance of $775.00. $425.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 11/19/2025 |  |  | 1 C A |  | MA | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304875161 | 34988505 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $1,130.00 exceeds tolerance of $0.00. $1,130.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 11/19/2025 |  |  | 1 C A |  | MA | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304875161 | 35013024 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $440.00 exceeds tolerance of $360.00 plus 10% or $396.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 11/19/2025 |  | 1 A |  | MA | Second Home | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304875161 | 35013025 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $1,130.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 11/19/2025 |  | 1 A |  | MA | Second Home | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304874778 | 34985900 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $134.00 exceeds tolerance of $132.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 11/14/2025 |  | 1 A |  | NY | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304877943 | 34985438 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304874107 | 34986262 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304840537 | 35004635 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Lender exception requested for missing CPA letter required per guidelines. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00. | Loan to Value: 43.73147%<br> Guideline Maximum Loan to Value: 80.00000%<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: $5,298.24 | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 10/24/2025 | 2 C B |  | UT | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304840537 | 35004636 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 10/24/2025 |  |  | 1 B A C |  | UT | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 304840537 | 35004637 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 10/24/2025 |  |  | 1 C A |  | UT | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304840537 | 35004638 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | xxxx |  |  |  | xxxx | 10/24/2025 |  |  | 1 C A |  | UT | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304840537 | 35004639 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | xxxx |  |  |  | xxxx | 10/24/2025 |  |  | 1 C A |  | UT | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304840556 | 35004641 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 10/27/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 304813428 | 35004650 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) | Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender. | xxxx |  |  |  | xxxx | 10/31/2025 |  |  | 1 C A D |  | TX | Primary | Refinance - Cash-out - Other | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents, (AFMV signed by the lender), and obtain an executed copy; OR (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. | Non QM | Non QM | Yes |
| 304813428 | 35004651 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $270.20 exceeds tolerance of $223.00 plus 10% or $245.30. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/22/2025 |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304874777 | 35013775 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | WA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304869348 | 35013642 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | MO | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304869348 | 35013645 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $158.00 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 11/19/2025 |  | 1 A |  | MO | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304876007 | 35013721 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | KY | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 304876007 | 35013735 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 11/21/2025 |  |  | 1 C A |  | KY | Primary | Refinance - Rate/Term | No Defined Cure B A | Non QM | Non QM | No |
| 304894690 | 35013155 |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | xxxx |  |  |  |  |  |  |  | 2 B |  | TX | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304894690 | 35013156 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | TX | Second Home | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304894690 | 35013158 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $155.26 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 11/19/2025 |  | 1 A |  | TX | Second Home | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304894690 | 35021221 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. |  | xxxx |  |  |  | xxxx | 11/26/2025 |  |  | 1 C A |  | TX | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304876541 | 35014716 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | AL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304876541 | 35014820 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $570.75 exceeds tolerance of $503.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 11/19/2025 |  | 1 A |  | AL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304876541 | 35022952 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | AL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304876541 | 35023008 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 11/21/2025 |  |  | 1 C A |  | AL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304889374 | 35025073 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $1,759.41 exceeds tolerance of $565.00. $1,194.41 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 11/24/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304889374 | 35025074 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. $123.60 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 11/24/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304889374 | 35058376 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 11/24/2025 |  | 1 A |  | MI | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304867479 | 35072863 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | xxxx |  |  |  | xxxx | 09/16/2025 |  |  | 1 C A |  | OH | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304849173 | 35072873 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | xxxx |  |  |  | xxxx | 11/07/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304849225 | 35072877 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 10/28/2025 |  |  | 1 C A |  | MO | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304849204 | 35072879 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Loan approval required 1) 1004D to confirm occupancy, 2) proof of rental payment and security deposit, and 3) LOE why appraisal done after lease date indicates vacant subject property. These docs are missing. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrower's Experience/Track Record | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrower's Experience/Track Record. The borrower has: 3 Years of Experience. | Originator,SitusAMC<br>SitusAMC,Originator | xxxx |  |  | 11/11/2025 | 2 C B |  | GA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304844394 | 35072881 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | xxxx |  |  |  | xxxx | 10/31/2025 |  |  | 1 C A |  | IL | Investment | Purchase | C B A |  | N/A | No |
| 304844394 | 35072882 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception approved to hold back Clear to Close. |  |  |  | xxxx | 10/14/2025 |  |  | 1 C A |  | IL | Investment | Purchase | C B A |  | N/A | No |
| 304844394 | 35072883 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. |  | xxxx | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 10/10/2025 | 2 B |  | IL | Investment | Purchase | C B A |  | N/A | No |
| 304844394 | 35072884 |  | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx |  |  |  | xxxx | 10/14/2025 |  |  | 1 C A |  | IL | Investment | Purchase | C B A |  | N/A | No |
| 304844480 | 35072886 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: HOA Questionnaire not provided |  | xxxx |  |  |  | xxxx | 11/05/2025 |  |  | 1 C A |  | SC | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304867370 | 35072894 |  | Credit | Missing Document | General | Missing Document | Missing Document: Appraisal Transfer Letter not provided |  | xxxx |  |  |  | xxxx | 10/29/2025 |  |  | 1 C A |  | AL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304849081 | 35072896 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | xxxx |  |  |  | xxxx | 11/05/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304849181 | 35072898 |  | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Loan to Value: 55.63798%<br> Guideline Maximum Loan to Value: 70.00000%<br>Guidelines Representative FICO: 660<br> Representative FICO: 766 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 10/30/2025 | 2 C B |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304849181 | 35072899 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects a different lender. Appraisal transfer letter is provided. Exception approval for the transferred appraisal is found on the UW Narrative and proof of paid invoice required by the exception approval is also provided. |  |  |  | xxxx | 10/30/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304869333 | 35072903 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. |  | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Guidelines Representative FICO: 680<br> Representative FICO: 773<br>Reserves: 348.02<br> Guideline Requirement: 11.87 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 10/31/2025 | 2 C B |  | AL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304869333 | 35072904 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects a different lender. Lender Exception approval is located on the UW Narrative. Appraisal transfer letter and paid invoice required by the exception approval are provided in the file. |  |  |  | xxxx | 10/31/2025 |  |  | 1 C A |  | AL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304849067 | 35072924 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects a different lender. Appraisal transfer letter is provided. Exception approval for the transferred appraisal is found on the UW Narrative and proof of paid invoice required by the exception approval is also provided. |  |  |  | xxxx | 10/31/2025 |  |  | 1 C A |  | GA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304849220 | 35072939 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 10/31/2025 |  |  | 1 C A |  | OH | Investment | Purchase | D A |  | N/A | No |
| 304849220 | 35072940 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | xxxx |  |  |  | xxxx | 10/31/2025 |  |  | 1 D A |  | OH | Investment | Purchase | D A |  | N/A | No |
| 304867403 | 35072953 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Guarantor criminal record search reports reflect felony conviction. Letter of explanation is provided and Exception for felony in background approved - aged, non-financial. |  |  |  | xxxx | 10/29/2025 |  |  | 1 C A |  | AL | Investment | Purchase | C A |  | N/A | No |
| 304849221 | 35072968 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception is approved for appraisal transfer letter available in file, however proof of paid invoice is not available. |  |  |  | xxxx | 11/03/2025 |  |  | 1 C A |  | KS | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304849091 | 35072994 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | UW narrative required two months rent checks for xxxx. Lease updated however, rent checks missing. | Borrower has owned the subject property for at least 5 years.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Debt Service Coverage Ratio: 2.21<br> Guideline Requirement: 1.00<br>Loan to Value: 49.29577%<br> Guideline Maximum Loan to Value: 80.00000% | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 11/07/2025 | 2 C B |  | NC | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304869311 | 35072999 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | xxxx |  |  |  | xxxx | 11/07/2025 |  |  | 1 C A |  | OH | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304867362 | 35073001 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | xxxx |  |  |  | xxxx | 11/07/2025 |  |  | 1 C A |  | IL | Investment | Purchase | C A |  | N/A | No |
| 304869282 | 35073006 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Legal Nonconforming Zoning reflected on the appraisal. A lender exception was noted to be requested, however, no approval was found in file. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 11/10/2025 | 2 C B |  | PA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304869282 | 35073007 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | xxxx |  |  |  | xxxx | 11/10/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304849163 | 35073011 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception Approved for transferred appraisal subject to transfer letter and proof of paid invoice. |  |  |  | xxxx | 11/03/2025 |  |  | 1 C A |  | AL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304867415 | 35073018 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx |  |  |  | xxxx | 11/03/2025 |  |  | 1 C A |  | OH | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304867377 | 35073024 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception approval received from CCO to proceed with Appraisals completed by current appraiser who has exceeded 5 Appraisals per borrower within last 6 months. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 11/03/2025 | 2 C B |  | WV | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304869285 | 35073027 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 11/03/2025 |  |  | 1 C A D |  | OH | Investment | Purchase | D A |  | N/A | No |
| 304849055 | 35073044 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The fraud report reflects an unpaid judgement for the Guarantor in the amount of $xxxx that the loan file does not document has been paid/satisfied. |  |  |  | xxxx | 11/05/2025 |  |  | 1 C A |  | IL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304849228 | 35073047 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | DSCR Worksheet reflects $xxxx other monthly expenses. Please provide documentation for verification of the expense. Additional exceptions may apply. |  |  |  | xxxx | 11/05/2025 |  |  | 1 C A |  | GA | Investment | Purchase | C A |  | N/A | No |
| 304849228 | 35073048 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects a different lender. Appraisal transfer letter is provided. Exception approval for the transferred appraisal is found on the UW Narrative and proof of paid invoice required by the exception approval is also provided. |  |  |  | xxxx | 11/05/2025 |  |  | 1 C A |  | GA | Investment | Purchase | C A |  | N/A | No |
| 304867386 | 35073060 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | DSCR Worksheet reflects $xxxx other monthly expenses. Please provide documentation for verification of the expense. |  |  |  | xxxx | 11/05/2025 |  |  | 1 C A |  | DE | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304869318 | 35073065 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects a different lender. Exception approval is located on the UW Narrative. Appraisal transfer letter and paid invoice required by the exception approval are provided in the file. |  |  |  | xxxx | 11/07/2025 |  |  | 1 C A |  | VA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304844385 | 35073071 |  | Credit | Credit | Public Records | Credit | Public Records/Collections/Charge Off does not meet guidelines. |  | xxxx |  |  |  | xxxx | 11/06/2025 |  |  | 1 C A |  | IL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304869275 | 35073073 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | xxxx |  |  |  | xxxx | 11/07/2025 |  |  | 1 C A |  | PA | Investment | Purchase | C A |  | N/A | No |
| 304869284 | 35073093 |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | xxxx |  |  |  | xxxx | 11/06/2025 |  |  | 1 C A |  | MI | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304849233 | 35073095 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. |  | xxxx | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 11/04/2025 | 2 B |  | GA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304849233 | 35073096 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception requested and approved for FICO 703 for a rural property. Comp factors 55% LTV, 50+ months excess reserves, DSCR to remain above 1.7. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 11/04/2025 | 2 B |  | GA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304889898 | 35073108 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Lender Exception has been requested and approved to proceed with the approved AMC. Appraisal transfer letter and proof of appraisal paid invoice are in the file. |  |  |  | xxxx | 11/07/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304889926 | 35073120 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | xxxx |  |  |  | xxxx | 11/11/2025 |  |  | 1 C A |  | OR | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304889867 | 35073136 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | xxxx |  |  |  | xxxx | 11/10/2025 |  |  | 1 C A |  | MI | Investment | Purchase | C A |  | N/A | No |
| 304867396 | 35073138 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception requested and approved for appraisal transferred from xxxx; appraisal transfer letter and proof of paid invoice are provided. |  |  |  | xxxx | 11/10/2025 |  |  | 1 C A |  | OH | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304869309 | 35073139 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal is not in Lender's name. Lender Exception in file approving use of appraisal with Appraisal Transfer Letter and paid appraisal provided in file. |  |  |  | xxxx | 11/10/2025 |  |  | 1 C A |  | OH | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304869309 | 35073140 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal expired xxxx. Lender approved extension reflected on the UW narrative in file, with new expiration date of xxxx. Loan must close by xxxx. Loan closed xxxx. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Debt Service Coverage Ratio: 1.69<br> Guideline Requirement: 1.00<br>Reserves: 52.17<br> Guideline Requirement: 9.42 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 11/11/2025 | 2 C B |  | OH | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304889786 | 35073147 |  | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx | Borrower has owned the subject property for at least 5 years.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Debt Service Coverage Ratio: 1.65<br> Guideline Requirement: 1.00<br>Loan to Value: 52.40964%<br> Guideline Maximum Loan to Value: 70.00000% | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 11/11/2025 | 2 C B |  | NJ | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304889848 | 35073151 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal is not in Lender's Name. Lender Exception is in file accepting the transferred appraisal. Appraisal Transfer Letter and paid invoice are in the file. |  |  |  | xxxx | 11/10/2025 |  |  | 1 C A |  | OH | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304889837 | 35073156 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 11/11/2025 |  |  | 1 C A |  | UT | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304889835 | 35073160 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 11/11/2025 |  |  | 1 C A |  | UT | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304889834 | 35073162 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 11/11/2025 |  |  | 1 C A |  | UT | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304840602 | 35160849 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. |  | xxxx |  |  |  | xxxx | 11/05/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| 304840602 | 35160850 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Borrower's own funds percent discrepancy. |  | xxxx |  |  |  | xxxx | 11/05/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| 304750217 | 35235001 |  | Credit | Document Inventory | General | Document Inventory | Final Inspection / 442 does not reflect all required repairs or property completion requirements. |  | xxxx |  |  |  | xxxx | 11/20/2025 |  |  | 1 C A |  | PA | Investment | Purchase | C A |  | N/A | No |
| 304898957 | 35235003 |  | Credit | Credit | Miscellaneous | Credit | Debt prior to closing, not on original credit and still open at the time of closing |  | xxxx |  |  |  | xxxx | 08/22/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304898957 | 35235006 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  |  |  |  |  | xxxx | 08/22/2025 |  |  | 1 A |  | TN | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304898955 | 35235008 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects a different lender. Appraisal transfer letter is provided. Exception approval for the transferred appraisal is found on the UW Narrative and proof of paid invoice required by the exception approval is also provided. |  |  |  | xxxx | 08/21/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304898955 | 35235010 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  |  |  |  |  | xxxx | 08/22/2025 |  |  | 1 A |  | TN | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304898954 | 35235013 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects a different lender. Appraisal transfer letter is provided. Exception approval for the transferred appraisal is found on the UW Narrative and proof of paid invoice required by the exception approval is also provided. |  |  |  | xxxx | 08/21/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304898954 | 35235015 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  |  |  |  |  | xxxx | 08/22/2025 |  |  | 1 A |  | TN | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304824962 | 35235020 |  | Credit | Document Inventory | General | Document Inventory | Final Inspection / 442 does not reflect all required repairs or property completion requirements. |  | xxxx |  |  |  | xxxx | 11/18/2025 |  |  | 1 C A |  | OH | Investment | Purchase | D A |  | N/A | No |
| 304824962 | 35235021 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 09/29/2025 |  |  | 1 C A D |  | OH | Investment | Purchase | D A |  | N/A | No |
| 304824930 | 35235023 |  | Credit | Document Inventory | General | Document Inventory | Final Inspection / 442 does not reflect all required repairs or property completion requirements. |  | xxxx |  |  |  | xxxx | 11/21/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| 304824930 | 35235024 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 09/30/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| 304889938 | 35235028 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects a different lender. Exception approval is located on the UW Narrative. Appraisal transfer letter and paid invoice required by the exception approval are provided in the file. |  |  |  | xxxx | 10/03/2025 |  |  | 1 C A |  | SC | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304889938 | 35235029 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception on Tape. The lender exception has been requested and approved for lease agreement less than 6 month with the compensating factors of 754 FICO and 80 plus in excess reserves. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower's Experience/Track Record | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower's Experience/Track Record. The borrower has: 8 Years of Experience. | Originator,SitusAMC<br>SitusAMC,Originator | xxxx |  |  | 10/01/2025 | 2 B |  | SC | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304889939 | 35235031 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects a different lender. Exception approval is located on the UW Narrative. Appraisal transfer letter and paid invoice required by the exception approval are provided in the file. |  |  |  | xxxx | 10/03/2025 |  |  | 1 C A |  | SC | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304889941 | 35235033 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Originator,SitusAMC | xxxx |  |  | 10/03/2025 | 2 B |  | IN | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304867414 | 35235044 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Lender Exception has been requested and approved to proceed with the approved AMC. Appraisal transfer letter and proof of appraisal paid invoice are in the file. |  |  |  | xxxx | 11/06/2025 |  |  | 1 C A |  | IL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304867414 | 35235045 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 11/22/2025 |  |  | 1 C A |  | IL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304867455 | 35235050 |  | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require |  | xxxx |  |  |  | xxxx | 11/12/2025 |  |  | 1 C A |  | OH | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304867455 | 35235051 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 11/12/2025 |  |  | 1 C A |  | OH | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304849118 | 35235059 |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | xxxx |  |  |  | xxxx | 11/17/2025 |  |  | 1 C A |  | OH | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304847749 | 35235061 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | xxxx |  |  |  | xxxx | 11/12/2025 |  |  | 1 B A |  | PA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304849060 | 35235063 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 11/10/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 304867459 | 35235065 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 11/19/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304869323 | 35235069 |  | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require |  | xxxx |  |  |  | xxxx | 11/14/2025 |  |  | 1 C A |  | MD | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304869280 | 35235076 |  | Credit | Missing Document | General | Missing Document | Missing Document: Appraisal Transfer Letter not provided |  | xxxx |  |  |  | xxxx | 11/11/2025 |  |  | 1 C A |  | OH | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304889858 | 35235078 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | xxxx |  |  |  | xxxx | 11/10/2025 |  |  | 1 C A |  | GA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304889803 | 35235081 |  | Credit | Business Purpose | General | Business Purpose | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx |  |  |  | xxxx | 11/12/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304889870 | 35235084 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | xxxx |  |  |  | xxxx | 11/14/2025 |  |  | 1 C A |  | DC | Investment | Purchase | C A |  | N/A | No |
| 304844500 | 35235086 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. |  | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Guidelines Representative FICO: 700<br> Representative FICO: 805<br>Reserves: 241.40<br> Guideline Requirement: 8.15 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 11/10/2025 | 2 C B |  | OK | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304844499 | 35235089 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. |  | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Guidelines Representative FICO: 660<br> Representative FICO: 805<br>Reserves: 261.58<br> Guideline Requirement: 8.07 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 11/10/2025 | 2 C B |  | OK | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304867393 | 35235091 |  | Credit | Business Purpose | General | Business Purpose | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx |  |  |  | xxxx | 11/12/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304867393 | 35235092 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. |  | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 11/12/2025 | 2 C B |  | PA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304867375 | 35235100 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | xxxx |  |  |  | xxxx | 11/11/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 304849166 | 35235102 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved to utilize transferred appraisal. Appraisal transfer letter provided in file; invoice to be paid at closing. |  |  |  | xxxx | 11/14/2025 |  |  | 1 C A |  | MO | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304869266 | 35235104 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 11/20/2025 |  |  | 1 C A |  | OH | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304889857 | 35235105 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | xxxx |  |  |  | xxxx | 11/17/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304889847 | 35235109 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved and requested for transferred appraisal completed by approved AMC. Transfer letter and paid invoice are in the file. |  |  |  | xxxx | 11/10/2025 |  |  | 1 C A |  | OH | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304867409 | 35235112 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal provided reflects a different company as the lender. Exception approval is found in file. Appraisal transfer letter and paid invoice required by the exception approval are provided. |  |  |  | xxxx | 11/11/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304869289 | 35235113 |  | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require |  | xxxx |  |  |  | xxxx | 11/17/2025 |  |  | 1 C A |  | MO | Investment | Purchase | C A |  | N/A | No |
| 304869289 | 35235114 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 11/17/2025 |  |  | 1 C A |  | MO | Investment | Purchase | C A |  | N/A | No |
| 304889821 | 35235117 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects a different lender. Exception approval is located on the UW Narrative. Appraisal transfer letter and paid invoice required by the exception approval are provided in the file. |  |  |  | xxxx | 11/12/2025 |  |  | 1 C A |  | OK | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304867448 | 35235121 |  | Credit | Credit | Transaction Error | Credit | Transaction Error: Total Cash-out on a purchase transaction. | Borrower is receiving total cash-out of ___ on a purchase transaction. | xxxx |  |  |  | xxxx | 11/20/2025 |  |  | 1 C A |  | IN | Investment | Purchase | C A |  | N/A | No |
| 304844485 | 35235124 |  | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx | Borrower has owned the subject property for at least 5 years.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Debt Service Coverage Ratio: 2.05<br> Guideline Requirement: 1.00<br>Guidelines Representative FICO: 680<br> Representative FICO: 758 | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 11/12/2025 | 2 C B |  | MI | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 304844485 | 35235125 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | xxxx |  |  |  | xxxx | 11/12/2025 |  |  | 1 D A |  | MI | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 304899097 | 35235135 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception approved with two vacant units at 65% LTV. Unit 12 recently vacated. Lease and proof of rent received documented in file. Compensating factors: FICO 771, LTV 65%, borrower assets documented to cover required liquidity. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Guidelines Representative FICO: 660<br> Representative FICO: 771<br>Reserves: 206.08<br> Guideline Requirement: 20.90 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 11/12/2025 | 2 C B |  | UT | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304899097 | 35235136 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal is not in Lender's name. Lender Exception is reflected on the UW Narrative requesting to allow based on Appraisal Transfer Letter and Paid Invoice. Both are provided in the file. |  |  |  | xxxx | 11/12/2025 |  |  | 1 C A |  | UT | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304889933 | 35235144 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 11/14/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304889788 | 35235146 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |  |  |  | xxxx | 11/12/2025 |  |  | 1 B A |  | OH | Investment | Purchase | B A |  | N/A | No |
| 304869306 | 35235148 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Non-Owner Occupancy Declaration not provided |  | xxxx |  |  |  | xxxx | 11/12/2025 |  |  | 1 C A |  | IN | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304889859 | 35235155 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lease in file appears to be rented to a family member (same name as borrower and is listed as a member of the LLC). Guidelines state that is subject property is rented to a relative/family member, the borrower must generally provide 6 months of cancelled checks or bank statements to support rent received. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower's Experience/Track Record | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower's Experience/Track Record. The borrower has: "1.4" Years of Experience. | Originator,SitusAMC<br>SitusAMC,Originator | xxxx |  |  | 11/19/2025 | 2 C B |  | MO | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304889859 | 35235156 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  |  |  |  | xxxx | 11/14/2025 |  |  | 1 C A |  | MO | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304889801 | 35235157 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal provided reflects a different company as the lender. Exception approval is found on UW Narrative. Appraisal transfer letter and paid invoice required by the exception approval are provided. |  |  |  | xxxx | 11/13/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 304899072 | 35235159 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal provided reflects a different company as the lender. Exception approval is found on UW Narrative. Appraisal transfer letter and paid invoice required by the exception approval are provided. |  |  |  | xxxx | 11/13/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 304899039 | 35235165 |  | Credit | Business Purpose | General | Business Purpose | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx |  |  |  | xxxx | 11/13/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304899085 | 35235183 |  | Credit | Guideline | Guideline Issue | Guideline | Background check and/or other documentation indicates borrower / guarantor with a felony conviction. |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reserves: 56.59<br> Guideline Requirement: 6.00 | Originator,SitusAMC | xxxx |  |  | 11/13/2025 | 2 C B |  | PA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304899043 | 35235186 |  | Credit | Business Purpose | General | Business Purpose | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Debt Service Coverage Ratio: 1.79<br> Guideline Requirement: 1.00<br>Guidelines Representative FICO: 680<br> Representative FICO: 738 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 11/13/2025 | 2 C B |  | OH | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304889820 | 35235192 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender's DSCR calculation includes other monthly expenses of $xxxx that is not documented in file. |  |  |  | xxxx | 11/14/2025 |  |  | 1 C A |  | OH | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304889820 | 35235193 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 11/14/2025 |  |  | 1 C A |  | OH | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304899069 | 35235196 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | xxxx |  |  |  | xxxx | 11/12/2025 |  |  | 1 C A |  | TN | Investment | Purchase | C A |  | N/A | No |
| 304899045 | 35235201 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | xxxx |  |  |  | xxxx | 11/21/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304889861 | 35235204 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. |  | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Guidelines Representative FICO: 660<br> Representative FICO: 756<br>Reserves: 15.40<br> Guideline Requirement: 6.00 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 11/17/2025 | 2 C B |  | MD | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304899080 | 35235207 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reserves: 34.20<br> Guideline Requirement: 6.00 | Originator,SitusAMC | xxxx |  |  | 11/21/2025 | 2 C B |  | AL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304889853 | 35235209 |  | Credit | Missing Document | General | Missing Document | Missing Document: Appraisal Transfer Letter not provided |  | xxxx |  |  |  | xxxx | 11/17/2025 |  |  | 1 C A |  | OK | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304899046 | 35235213 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Rent schedule is missing on lease property |  | xxxx |  |  |  | xxxx | 11/18/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
| 304899046 | 35235214 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 |  | xxxx |  |  |  | xxxx | 11/18/2025 |  |  | 1 D A |  | PA | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
| 304899046 | 35235216 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | xxxx |  |  |  | xxxx | 11/18/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
| 304899046 | 35235217 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | xxxx |  |  |  | xxxx | 11/18/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
| 304899046 | 35235218 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. |  | xxxx |  |  |  | xxxx | 11/18/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
| 304889895 | 35235220 |  | Credit | Guideline | Guideline Issue | Guideline | Aged document: Primary Valuation is older than guidelines permit |  | xxxx | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Loan to Value: 43.57143%<br> Guideline Maximum Loan to Value: 80.00000%<br>Guidelines Representative FICO: 700<br> Representative FICO: 765 | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 11/18/2025 | 2 C B |  | TX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304899042 | 35235228 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects a different lender. Exception approval is located on the UW Narrative. Appraisal transfer letter and paid invoice required by the exception approval are provided in the file. |  |  |  | xxxx | 11/18/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304899126 | 35235233 |  | Credit | Business Purpose | General | Business Purpose | Open Tradeline requirement not met. | - Borrower has ___ Open Tradelines which is less than the minimum required by guidelines. | xxxx |  |  |  | xxxx | 11/18/2025 |  |  | 1 C A |  | NJ | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304899126 | 35235234 |  | Credit | Credit | Credit Eligibility | Credit | Active Tradeline requirement not met. | - Borrower has ___ Active Tradelines which is less than the minimum required by guidelines. | xxxx |  |  |  | xxxx | 11/18/2025 |  |  | 1 C A |  | NJ | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304847740 | 35235237 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | xxxx |  |  |  | xxxx | 11/18/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304847740 | 35235238 |  | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx |  |  |  | xxxx | 11/18/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304899036 | 35235241 |  | Credit | Credit | Public Records | Credit | Public Records/Collections/Charge Off does not meet guidelines. |  | xxxx |  |  |  | xxxx | 11/19/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304889778 | 35235246 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | UW Narrative: Exception is requested for lease showing a term of 10 years. Maximum allowable term is 3 years. No investor outlet for a term of 10 years. |  |  |  | xxxx | 11/18/2025 |  |  | 1 C A |  | VA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304867475 | 35235248 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender's DSCR Worksheet reflects other monthly expense in the amount of $xxxx. Unable to determine source of these funds. |  |  |  | xxxx | 11/19/2025 |  |  | 1 C A |  | MD | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304867470 | 35235253 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender's DSCR Worksheet reflects other monthly expense in the amount of $xxxx. Please provide documentation for verification of the monthly expense. DSCR subject to change pending verification |  |  |  | xxxx | 11/19/2025 |  |  | 1 C A |  | MD | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304899067 | 35235256 |  | Credit | Business Purpose | General | Business Purpose | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx |  |  |  | xxxx | 11/19/2025 |  |  | 1 C A |  | AL | Investment | Purchase | C B A |  | N/A | No |
| 304899067 | 35235258 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception on tape. The lender exception has been requested and approved for the appraised value $xxxx which is less than $75,000 as required by guideline with the compensating factors of 807 FICO, DSCR>1.300 | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 11/19/2025 | 2 C B |  | AL | Investment | Purchase | C B A |  | N/A | No |
| 304899054 | 35235270 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. |  | xxxx | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 11/19/2025 | 2 C B |  | WI | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304898947 | 35235272 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Lender Exception has been reviewed and approved to proceed with the transferred appraisal report. Appraisal transfer letter and proof of appraisal paid invoice are in the file. Appraisal report meets guidelines requirement. |  |  |  | xxxx | 11/19/2025 |  |  | 1 C A |  | AL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304898944 | 35235275 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Transferred appraisal from non approved AMC exception noted on UW Narrative. Invoice and transfer letter in file. |  |  |  | xxxx | 11/19/2025 |  |  | 1 C A |  | AZ | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304899125 | 35235278 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects a different lender. Appraisal transfer letter, exception approval, and paid invoice are provided in the file. |  |  |  | xxxx | 11/19/2025 |  |  | 1 C A |  | AL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304899102 | 35235283 |  | Credit | Missing Document | General | Missing Document | Missing Document: Appraisal Transfer Letter not provided |  | xxxx |  |  |  | xxxx | 11/19/2025 |  |  | 1 C A |  | OH | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304869278 | 35235288 |  | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require |  | xxxx |  |  |  | xxxx | 11/20/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304765291 | 35264196 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: # of years at current address was not provided |  | xxxx |  |  |  | xxxx | 09/03/2025 |  |  | 1 B A |  | NC | Investment | Purchase | C B A | N/A | N/A | No |
| 304765291 | 35264197 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | xxxx |  |  |  | xxxx | 10/09/2025 |  |  | 1 C A |  | NC | Investment | Purchase | C B A | N/A | N/A | No |
| 304765291 | 35264198 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | 3 months statement is required for asset depletion calculation however for below accounts xxxx, xxxx and 401k(xxxx) 3rd month statement is missing. |  |  |  | xxxx | 11/05/2025 |  |  | 1 C A |  | NC | Investment | Purchase | C B A | N/A | N/A | No |
| 304765291 | 35264200 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  | xxxx |  |  |  | xxxx | 10/29/2025 |  |  | 1 C A |  | NC | Investment | Purchase | C B A | N/A | N/A | Yes |
| 304765291 | 35264201 |  | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | xxxx |  |  |  | xxxx | 08/29/2025 |  |  | 1 C A |  | NC | Investment | Purchase | C B A | N/A | N/A | No |
| 304765291 | 35264202 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | xxxx |  |  |  | xxxx |  |  | 10/29/2025 | 2 B |  | NC | Investment | Purchase | C B A | N/A | N/A | No |
| 304765291 | 35264203 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Issue: Ineligible borrower |  | xxxx |  |  |  | xxxx | 11/05/2025 |  |  | 1 C A |  | NC | Investment | Purchase | C B A | N/A | N/A | No |
| 304765291 | 35264204 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |  |  |  |  |  | xxxx | 10/17/2025 |  |  | 1 C A |  | NC | Investment | Purchase | C B A | N/A | N/A | No |
| 304765291 | 35264205 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  |  |  |  |  | xxxx | 10/27/2025 |  |  | 1 C A |  | NC | Investment | Purchase | C B A | N/A | N/A | No |
| 304765291 | 35264206 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 10.51 vs 6 | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 11/05/2025 | 2 B |  | NC | Investment | Purchase | C B A | N/A | N/A | No |
| 304765291 | 35264207 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | New exception as a result of new income documentation provided. Missing 4506-C (2023), 4506-C (2024), W-2 Transcript (2023), W-2 Transcript (2024)for both borrowers<br>Compliance related |  |  |  | xxxx | 11/11/2025 |  |  | 1 A |  | NC | Investment | Purchase | C B A | N/A | N/A | No |
| 304765291 | 35264208 |  | Credit | Missing Document | General | Missing Document | Missing Document: 4506-C not provided |  | xxxx |  |  |  | xxxx | 11/05/2025 |  |  | 1 A |  | NC | Investment | Purchase | C B A | N/A | N/A | No |
| 304765291 | 35264209 |  | Credit | Missing Document | General | Missing Document | Missing Document: 4506-C not provided |  | xxxx |  |  |  | xxxx | 11/05/2025 |  |  | 1 A |  | NC | Investment | Purchase | C B A | N/A | N/A | No |
| 304765291 | 35264210 |  | Credit | Missing Document | General | Missing Document | Missing Document: 4506-C not provided |  | xxxx |  |  |  | xxxx | 11/05/2025 |  |  | 1 A |  | NC | Investment | Purchase | C B A | N/A | N/A | No |
| 304765291 | 35264211 |  | Credit | Missing Document | General | Missing Document | Missing Document: 4506-C not provided |  | xxxx |  |  |  | xxxx | 11/05/2025 |  |  | 1 A |  | NC | Investment | Purchase | C B A | N/A | N/A | No |
| 304765291 | 35264212 |  | Credit | Missing Document | General | Missing Document | Missing Document: W-2 Transcript not provided |  | xxxx |  |  |  | xxxx | 11/05/2025 |  |  | 1 A |  | NC | Investment | Purchase | C B A | N/A | N/A | No |
| 304765291 | 35264213 |  | Credit | Missing Document | General | Missing Document | Missing Document: W-2 Transcript not provided |  | xxxx |  |  |  | xxxx | 11/05/2025 |  |  | 1 A |  | NC | Investment | Purchase | C B A | N/A | N/A | No |
| 304765291 | 35264214 |  | Credit | Missing Document | General | Missing Document | Missing Document: W-2 Transcript not provided |  | xxxx |  |  |  | xxxx | 11/05/2025 |  |  | 1 A |  | NC | Investment | Purchase | C B A | N/A | N/A | No |
| 304765291 | 35264215 |  | Credit | Missing Document | General | Missing Document | Missing Document: W-2 Transcript not provided |  | xxxx |  |  |  | xxxx | 11/05/2025 |  |  | 1 A |  | NC | Investment | Purchase | C B A | N/A | N/A | No |
| 304765291 | 35264216 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2025). FNMA Finance Charge total $xxxx on a Original Loan Amount of $xxxx vs. an allowable total of $xxxx and $1000.00 (2025) (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx |  |  | 11/05/2025 | 2 B |  | NC | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | N/A | N/A | Yes |
| 304819236 | 35264251 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | xxxx |  |  |  | xxxx | 10/14/2025 |  |  | 1 D A |  | SC | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 304819236 | 35264252 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Valuation Error: Subject photos are missing or not legible. |  |  |  |  |  | xxxx | 10/09/2025 |  |  | 1 C A |  | SC | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 304819236 | 35264253 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Valuation Error: Comparable(s) photos are missing or not legible. |  |  |  |  |  | xxxx | 10/09/2025 |  |  | 1 C A |  | SC | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 304819236 | 35264256 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,894.50 exceeds tolerance of $1,473.00 plus 10% or $1,620.30. $274.20 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 11/05/2025 |  | 2 C B |  | SC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304819236 | 35264257 |  | Credit | Missing Document | General | Missing Document | Missing Document: Telephone Listing / Internet Search / Directory Assistance not provided |  | xxxx |  |  |  | xxxx | 10/24/2025 |  |  | 1 C A |  | SC | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 304819236 | 35264258 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing complete Business Narrative.<br> Also missing one of the following:<br>\*Evidence of current work (executed contracts or signed invoices)<br> • Evidence of current business receipts<br> • Business website demonstrating activity supporting current business operations<br>Compliance related |  |  |  | xxxx | 10/24/2025 |  |  | 1 C A |  | SC | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 304819236 | 35264259 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 10/24/2025 |  |  | 1 B A C |  | SC | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation B C | Non QM | Non QM | Yes |
| 304819236 | 35264260 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 10/24/2025 |  |  | 1 C A |  | SC | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 304840845 | 35264287 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | xxxx |  |  |  | xxxx | 10/24/2025 |  |  | 1 C A |  | VA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304840845 | 35264288 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 10/24/2025 |  |  | 1 C A |  | VA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304840845 | 35264289 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 10/24/2025 |  |  | 1 C A |  | VA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304840845 | 35264290 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | xxxx |  |  |  | xxxx | 11/06/2025 |  |  | 1 C A |  | VA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304840845 | 35264291 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 11/06/2025 |  |  | 1 B A C |  | VA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 304840845 | 35264292 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 11/06/2025 |  |  | 1 C A |  | VA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304848142 | 35264294 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx |  |  |  | xxxx | 11/06/2025 |  |  | 1 C A |  | NY | Second Home | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
| 304848142 | 35264295 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  | xxxx | 10/16/2025 |  |  | 1 C A |  | NY | Second Home | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
| 304848142 | 35264296 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 10/16/2025 |  |  | 1 B A |  | NY | Second Home | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
| 304843287 | 35264299 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx |  |  | 10/14/2025 | 2 B |  | PA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304843287 | 35264302 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $145.00 exceeds tolerance of $0.00. $145.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 11/04/2025 |  | 2 C B |  | PA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304843287 | 35264303 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | xxxx |  |  |  | xxxx | 10/21/2025 |  |  | 1 C A |  | PA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304843287 | 35264306 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing one of the following: <br>• Evidence of current work (executed contracts or signed invoices)<br> • Evidence of current business receipts<br> • Business website demonstrating activity supporting current business operations.<br>Compliance related |  |  |  | xxxx | 10/21/2025 |  |  | 1 C A |  | PA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304843287 | 35264307 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 10/21/2025 |  |  | 1 B A C |  | PA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 304843287 | 35264308 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 10/21/2025 |  |  | 1 C A |  | PA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304843287 | 35264309 |  | Credit | Guideline | Guideline Issue | Guideline | Housing history reflects lates that do not meet guidelines |  | xxxx |  |  |  | xxxx | 10/28/2025 |  |  | 1 A |  | PA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304847824 | 35264328 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $750.00 exceeds tolerance of $600.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 10/16/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304847824 | 35264329 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of $20.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 10/16/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304847824 | 35264331 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Borrower: xxxx and xxxx: Missing Verification that the business is active and operating either no more than 10 business days prior to the Note Date, or after the Note Date but prior to xxxx purchase is required with one of the following:<br> • Evidence of current work (executed contracts or signed invoices) <br> • Evidence of current business receipts <br> • Business website demonstrating activity supporting current business operations.<br>Compliance related |  |  |  | xxxx | 11/06/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 304847824 | 35264335 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 11/06/2025 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 304847824 | 35264336 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 11/06/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 304847824 | 35264337 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 10/22/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 304840495 | 35264339 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcript (1040) or W-2 Transcript. |  | xxxx |  |  |  | xxxx | 11/05/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 304840495 | 35264345 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx. | xxxx |  |  |  | xxxx | 10/28/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Non QM | Non QM | Yes |
| 304840495 | 35264346 |  | Credit | Missing Document | General | Missing Document | Missing Document: Telephone Listing / Internet Search / Directory Assistance not provided |  | xxxx |  |  |  | xxxx | 11/03/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 304840495 | 35264347 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing on of the following:<br> • Evidence of current work (executed contracts or signed invoices)<br> • Evidence of current business receipts<br> • Business website demonstrating activity supporting current business operations.<br>Compliance related |  |  |  | xxxx | 11/03/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 304840495 | 35264348 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 11/03/2025 |  |  | 1 B A C |  | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 304840495 | 35264349 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 11/03/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 304846847 | 35264372 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | xxxx |  |  |  | xxxx | 10/28/2025 |  |  | 1 C A |  | TX | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 304846847 | 35264373 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx |  |  | 10/27/2025 | 2 B |  | TX | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 304846847 | 35264375 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 10/30/2025 |  |  | 1 C A |  | TX | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 304858908 | 35264381 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | xxxx |  |  |  | xxxx | 11/06/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304858908 | 35264382 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | xxxx |  |  |  | xxxx | 10/28/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304858908 | 35264384 |  | Credit | Missing Document | General | Missing Document | Missing Document: Telephone Listing / Internet Search / Directory Assistance not provided |  | xxxx |  |  |  | xxxx | 11/06/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304858908 | 35264385 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing one of the following: <br>• Evidence of current work (executed contracts or signed invoices)<br> • Evidence of current business receipts<br> • Business website demonstrating activity supporting current business operations.<br>Compliance related |  |  |  | xxxx | 11/06/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304858908 | 35264386 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 11/06/2025 |  |  | 1 B A C |  | GA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 304858908 | 35264387 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 11/06/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304821099 | 35264392 |  | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  | xxxx | 10/29/2025 |  |  | 1 C A |  | SC | Primary | Purchase | C A | Non QM | Non QM | No |
| 304821099 | 35264395 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 11/19/2025 |  |  | 1 C A |  | SC | Primary | Purchase | C A | Non QM | Non QM | No |
| 304821099 | 35264396 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 10/31/2025 |  |  | 1 B A |  | SC | Primary | Purchase | C A | Non QM | Non QM | No |
| 304821099 | 35264397 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | xxxx |  |  |  | xxxx | 11/25/2025 |  |  | 1 A |  | SC | Primary | Purchase | C A | Non QM | Non QM | No |
| 304840477 | 35264448 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcript (1040) or W-2 Transcript. |  | xxxx |  |  |  | xxxx | 11/07/2025 |  |  | 1 C A |  | NC | Primary | Purchase | C A B | Non QM | Non QM | No |
| 304840477 | 35264449 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcript (1040) or W-2 Transcript. |  | xxxx |  |  |  | xxxx | 11/07/2025 |  |  | 1 C A |  | NC | Primary | Purchase | C A B | Non QM | Non QM | No |
| 304840477 | 35264452 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided |  | xxxx |  |  |  | xxxx | 11/07/2025 |  |  | 1 C A |  | NC | Primary | Purchase | C A B | Non QM | Non QM | No |
| 304840477 | 35264453 |  | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Paid To party cannot be determined on the Closing Disclosure. For compliance testing purposes, Paid To of Lender will be considered in lieu of UTD. |  | xxxx |  |  |  | xxxx | 11/07/2025 |  |  | 1 B A |  | NC | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A B | Non QM | Non QM | Yes |
| 304876395 | 35264490 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | 1. Business Narrative document requires as per guideline for the bank statement income is not found. <br> 2. Also missing Verification the business is active. As per guideline, Verification that the business is active and operating either no more than 10 business days prior to the Note Date, or after the Note Date but prior to xxxx purchase is required with one of the following: missing one of the following: <br> • Evidence of current work (executed contracts or signed invoices)<br> • Evidence of current business receipts<br> • Business website demonstrating activity supporting current business operations.<br>Compliance related |  |  |  | xxxx | 11/26/2025 |  |  | 1 C A |  | DE | Second Home | Purchase | C A | Non QM | Non QM | No |
| 304876395 | 35264491 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 11/26/2025 |  |  | 1 B A C |  | DE | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 304876395 | 35264492 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 11/26/2025 |  |  | 1 C A |  | DE | Second Home | Purchase | C A | Non QM | Non QM | No |
| 304876395 | 35264495 |  | Credit | Missing Document | General | Missing Document | Missing Document: Telephone Listing / Internet Search / Directory Assistance not provided |  | xxxx |  |  |  | xxxx | 11/17/2025 |  |  | 1 C A |  | DE | Second Home | Purchase | C A | Non QM | Non QM | No |
| 304843362 | 35264506 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | A business narrative is required from the borrower to describe the type of business and number of employees. |  |  |  | xxxx | 11/10/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| 304843362 | 35264507 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 11/04/2025 |  |  | 1 C A |  | NY | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| 304843362 | 35264508 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 11/10/2025 |  |  | 1 B A C |  | NY | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 304843362 | 35264509 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 11/10/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| 304843362 | 35264510 |  | Credit | Missing Document | General | Missing Document | Missing Document: Telephone Listing / Internet Search / Directory Assistance not provided |  | xxxx |  |  |  | xxxx | 11/10/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| 304843362 | 35264512 |  | Credit | Credit | Credit Documentation | Credit | Insufficient Verification of Rental History. |  | xxxx |  |  |  | xxxx | 11/04/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| 304877911 | 35264523 |  | Credit | Missing Document | General | Missing Document | Missing Document: Balance Sheet not provided |  | xxxx |  |  |  | xxxx | 11/07/2025 |  |  | 1 C A |  | NC | Second Home | Purchase | C A | Non QM | Non QM | No |
| 304877911 | 35264524 |  | Credit | Missing Document | General | Missing Document | Missing Document: P&L Statement not provided |  | xxxx |  |  |  | xxxx | 11/07/2025 |  |  | 1 C A |  | NC | Second Home | Purchase | C A | Non QM | Non QM | No |
| 304877911 | 35264525 |  | Credit | Missing Document | General | Missing Document | Missing Document: Telephone Listing / Internet Search / Directory Assistance not provided |  | xxxx |  |  |  | xxxx | 11/07/2025 |  |  | 1 C A |  | NC | Second Home | Purchase | C A | Non QM | Non QM | No |
| 304877911 | 35264526 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing <br> 1. As per guideline balance sheet required for business "xxxx".<br> 2. As per guideline balance sheet required for business "xxxx".<br> 3. As per guideline along with Verification of business required with one of the following: <br> - Evidence of current work (executed contracts or signed invoices) <br> - Evidence of current business receipts <br> - Business website demonstrating activity supporting current business operations.<br>Compliance related |  |  |  | xxxx | 11/07/2025 |  |  | 1 C A |  | NC | Second Home | Purchase | C A | Non QM | Non QM | No |
| 304877911 | 35264527 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | xxxx |  |  |  | xxxx | 11/07/2025 |  |  | 1 B A |  | NC | Second Home | Purchase | C A | Non QM | Non QM | No |
| 304877911 | 35264528 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 11/07/2025 |  |  | 1 B A C |  | NC | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 304877911 | 35264529 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 11/07/2025 |  |  | 1 C A |  | NC | Second Home | Purchase | C A | Non QM | Non QM | No |
| 304877911 | 35264530 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: 1003 Final not provided |  | xxxx |  |  |  | xxxx | 11/07/2025 |  |  | 1 C A |  | NC | Second Home | Purchase | C A | Non QM | Non QM | No |
| 304870058 | 35264555 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Business Narrative is missing for xxxx. Telephone search provided is not dated.<br>Compliance related |  |  |  | xxxx | 11/11/2025 |  |  | 1 C A |  | NC | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 304870058 | 35264556 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx |  |  | 11/03/2025 | 2 B |  | NC | Second Home | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304870058 | 35264557 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 11/11/2025 |  |  | 1 B A C |  | NC | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 304870058 | 35264559 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 11/05/2025 |  |  | 1 C A |  | NC | Second Home | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| 304870058 | 35264560 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 11/11/2025 |  |  | 1 C A |  | NC | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 304870058 | 35264561 |  | Credit | Missing Document | General | Missing Document | Missing Document: Telephone Listing / Internet Search / Directory Assistance not provided |  | xxxx |  |  |  | xxxx | 11/11/2025 |  |  | 1 C A |  | NC | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 304846267 | 35264585 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 11/10/2025 |  |  | 1 B A |  | MA | Primary | Purchase | C A B | Non QM | Non QM | No |
| 304846267 | 35264587 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040) and/or W-2 Transcripts. |  | xxxx |  |  |  | xxxx | 11/10/2025 |  |  | 1 C A |  | MA | Primary | Purchase | C A B | Non QM | Non QM | No |
| 304846267 | 35264588 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040) and/or W-2 Transcripts. |  | xxxx |  |  |  | xxxx | 11/10/2025 |  |  | 1 C A |  | MA | Primary | Purchase | C A B | Non QM | Non QM | No |
| 304858938 | 35264668 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | xxxx |  |  |  | xxxx | 11/17/2025 |  |  | 1 B A |  | AR | Second Home | Refinance - Rate/Term | C A B | Non QM | Non QM | No |
| 304858938 | 35264669 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 11/24/2025 |  |  | 1 C A |  | AR | Second Home | Refinance - Rate/Term | C A B | Non QM | Non QM | No |
| 304889654 | 35264720 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 11/20/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304889654 | 35264723 |  | Credit | Missing Document | General | Missing Document | Missing Document: Telephone Listing / Internet Search / Directory Assistance not provided |  | xxxx |  |  |  | xxxx | 11/20/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304889654 | 35264724 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing: <br>• Evidence of current work (executed contracts or signed invoices)<br> • Evidence of current business receipts<br> • Business website demonstrating activity supporting current business operations. <br>Compliance related |  |  |  | xxxx | 11/20/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304889654 | 35264725 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 11/20/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 304889654 | 35264726 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 11/20/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304889654 | 35264727 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | xxxx |  |  |  | xxxx | 11/17/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304877409 | 35264751 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcript (1040) or W-2 Transcript. |  | xxxx |  |  |  | xxxx | 11/19/2025 |  |  | 1 C A |  | CA | Second Home | Purchase | C A | Non QM | Non QM | No |
| 304877409 | 35264754 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | xxxx |  |  |  | xxxx | 11/19/2025 |  |  | 1 C A |  | CA | Second Home | Purchase | C A | Non QM | Non QM | No |
| 304874082 | 35264786 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx |  |  |  | xxxx | 11/25/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304873971 | 35264819 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Valuation Error: Comparable(s) photos are missing or not legible. |  |  |  |  |  | xxxx | 11/28/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 304873971 | 35264820 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Valuation Error: Subject photos are missing or not legible. |  |  |  |  |  | xxxx | 11/28/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 304873971 | 35264823 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xx/xx/xxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | xxxx |  |  |  | xxxx | 11/25/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 304873971 | 35264825 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Guidelines require a verification that the business is active and operating either no more than 10 business days prior to the Note Date, or after the Note Date but prior to xxxx purchase is required with one of the following:<br>o Evidence of current work (executed contracts or signed invoices)<br> o Evidence of current business receipts<br> o Business website demonstrating activity supporting current business operations.<br>Compliance related |  |  |  | xxxx | 12/01/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 304873971 | 35264826 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 12/01/2025 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 304873971 | 35264827 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 12/01/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 304873971 | 35264828 |  | Credit | Missing Document | General | Missing Document | Missing Document: Telephone Listing / Internet Search / Directory Assistance not provided |  | xxxx |  |  |  | xxxx | 12/01/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 304896342 | 35264840 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | xxxx |  |  |  | xxxx | 11/26/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| 304896342 | 35264841 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  | xxxx |  |  |  | xxxx | 11/26/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| 304896773 | 35264869 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | xxxx |  |  |  | xxxx | 11/28/2025 |  |  | 1 B A |  | IN | Primary | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
| 304896773 | 35264871 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | xxxx |  |  |  | xxxx | 11/28/2025 |  |  | 1 C A |  | IN | Primary | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
| 304896773 | 35264872 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  | xxxx |  |  |  | xxxx | 11/28/2025 |  |  | 1 C A |  | IN | Primary | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
| 304672298 | 35264876 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | xxxx |  |  |  | xxxx | 04/23/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304672298 | 35264878 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  | xxxx |  |  |  | xxxx | 04/23/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304672298 | 35264879 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 04/23/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304672298 | 35264880 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | xxxx |  |  |  | xxxx | 04/23/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304672298 | 35264881 |  | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. |  | xxxx |  |  |  | xxxx | 04/23/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304833245 | 35264882 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx |  |  |  | xxxx | 11/18/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 304823036 | 35264900 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | xxxx |  |  |  | xxxx | 11/04/2025 |  |  | 1 C A |  | AL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304823036 | 35264901 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | xxxx |  |  |  | xxxx | 10/15/2025 |  |  | 1 C A |  | AL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304823036 | 35264902 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | xxxx |  |  |  | xxxx | 10/30/2025 |  |  | 1 C A |  | AL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304823036 | 35264905 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | xxxx |  |  |  | xxxx | 10/17/2025 |  |  | 1 B A |  | AL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304823036 | 35264906 |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | xxxx |  |  |  | xxxx | 10/15/2025 |  |  | 1 C A |  | AL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304848554 | 35264912 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  |  |  | xxxx | 08/15/2024 |  |  | 1 C A |  | MD | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304848554 | 35264913 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Instructions not provided |  |  |  |  |  | xxxx | 08/15/2024 |  |  | 1 C A |  | MD | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304848554 | 35264914 |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | xxxx |  |  |  | xxxx | 05/02/2025 |  |  | 1 C A |  | MD | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304848554 | 35264915 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | xxxx |  |  |  | xxxx | 05/02/2025 |  |  | 1 C A |  | MD | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304848488 | 35264918 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | xxxx |  |  |  | xxxx | 08/03/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304848488 | 35264919 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | xxxx |  |  |  | xxxx | 08/03/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304848488 | 35264920 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | xxxx |  |  |  | xxxx | 08/03/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304848488 | 35264921 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | xxxx |  |  |  | xxxx | 08/03/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304844622 | 35264993 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | xxxx |  |  |  | xxxx | 10/31/2025 |  |  | 1 C A |  | TX | Investment | Purchase | D A |  | N/A | No |
| 304844622 | 35264994 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 10/31/2025 |  |  | 1 C A D |  | TX | Investment | Purchase | D A |  | N/A | No |
| 304869151 | 35265008 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | xxxx |  |  |  | xxxx | 10/28/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304869151 | 35265011 |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 31 vs 3 | SitusAMC,Aggregator | xxxx |  |  | 11/14/2025 | 2 C B |  | TX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304869151 | 35265013 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | xxxx |  |  |  | xxxx | 11/13/2025 |  |  | 1 A |  | TX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304869151 | 35265014 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | xxxx |  |  |  | xxxx | 11/14/2025 |  |  | 1 A |  | TX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304858426 | 35265017 |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | xxxx |  |  |  | xxxx | 11/13/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304858426 | 35265019 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | xxxx |  |  |  | xxxx | 11/13/2025 |  |  | 1 A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304868136 | 35265038 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | xxxx |  |  |  | xxxx | 11/12/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304848576 | 35265046 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | xxxx |  |  |  | xxxx | 11/19/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304848576 | 35265047 |  | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state |  |  |  |  |  | xxxx |  |  | 10/28/2025 | 2 B |  | NY | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304848576 | 35265048 |  | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Note grace period days less than minimum per state |  |  |  |  |  | xxxx |  |  | 10/28/2025 | 2 B |  | NY | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304849047 | 35265051 |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | xxxx |  |  |  | xxxx | 11/04/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304849047 | 35265053 |  | Credit | Guideline | General | Guideline | DSCR does not meet guideline requirements. |  | xxxx |  |  |  | xxxx | 11/06/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304849047 | 35265054 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 11/04/2025 |  |  | 1 C A D |  | CA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304872565 | 35265056 |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | xxxx |  |  |  | xxxx | 11/06/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304873842 | 35265060 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | xxxx |  |  |  | xxxx | 11/25/2025 |  |  | 1 C A |  | GA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304873842 | 35265061 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx |  |  |  | xxxx | 11/05/2025 |  |  | 1 A |  | GA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304850794 | 35265072 |  | Compliance | Compliance | State Compliance | State Defect | Maryland SB270 Prepayment Penalty 2009 Investment Test | Maryland SB270: Alternate prepayment penalty testing methodology utilized under §12-105(c)(4) allowing prepays over prescribed limits to be treated as interest, with amounts under the limit not as interest. Alternate testing was deemed acceptable by SitusAMC outside counsel given the ambiguity in the state law. | xxxx |  |  |  | xxxx |  |  | 11/04/2025 | 2 B |  | MD | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304849000 | 35265078 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | xxxx |  |  |  | xxxx | 11/07/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304849000 | 35265079 |  | Credit | Guideline | General | Guideline | DSCR does not meet guideline requirements. |  | xxxx |  |  |  | xxxx | 11/07/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304849000 | 35265080 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 11/10/2025 |  |  | 1 C A D |  | NY | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304875232 | 35265090 |  | Credit | Document Inventory | General | Document Inventory | Final Inspection / 442 does not reflect all required repairs or property completion requirements. |  | xxxx |  |  |  | xxxx | 11/19/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304856337 | 35265094 |  | Credit | Guideline | Guideline Issue | Guideline | Red flag warning list hit. | - Additional review of appraiser and/or supervisory appraiser required.<br>Appraiser: ___ ___<br> Supervisory Appraiser: ___ ___ | xxxx |  |  |  | xxxx | 11/18/2025 |  |  | 1 C A |  | MD | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304856337 | 35265095 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | xxxx |  |  |  | xxxx | 11/21/2025 |  |  | 1 C A |  | MD | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304856337 | 35265096 |  | Compliance | Compliance | State Compliance | State Defect | Maryland SB270 Prepayment Penalty 2009 Investment Test | Maryland SB270: Alternate prepayment penalty testing methodology utilized under §12-105(c)(4) allowing prepays over prescribed limits to be treated as interest, with amounts under the limit not as interest. Alternate testing was deemed acceptable by SitusAMC outside counsel given the ambiguity in the state law. | xxxx |  |  |  | xxxx |  |  | 11/07/2025 | 2 B |  | MD | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304736721 | 35265108 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | xxxx |  |  |  | xxxx | 11/21/2025 |  |  | 1 C A |  | CT | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304865504 | 35292045 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | xxxx | 09/08/2025 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304865504 | 35292047 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | xxxx | 09/08/2025 |  |  | 1 B A |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304865473 | 35292048 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | xxxx | 09/17/2025 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 304865473 | 35292055 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | xxxx |  |  |  | xxxx | 09/24/2025 |  |  | 1 B A C |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| 304865473 | 35292056 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Wages | Ability to Repay (Dodd-Frank 2014): Unable to verify income due to, paystub provided was dated more than 90 days prior to closing, WVOE provided was dated more than 90 days prior to closing. | xxxx |  |  |  | xxxx | 09/24/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 304865473 | 35292057 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 09/24/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 304865473 | 35292058 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | xxxx |  |  |  | xxxx | 09/24/2025 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 304865473 | 35292059 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | xxxx | 09/17/2025 |  |  | 1 B A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 304865473 | 35292060 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Bank Statement Guidelines Number of Bank Statements Requirement not met | Ability to Repay (Dodd-Frank 2014): The number of bank statements provided for borrower's bank statement income was less than the number required by guidelines. | xxxx |  |  |  | xxxx | 09/16/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 304865473 | 35292061 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Bank Statement Guidelines Number of Bank Statements Requirement not met | Ability to Repay (Dodd-Frank 2014): The number of bank statements provided for borrower's bank statement income was less than the number required by guidelines. | xxxx |  |  |  | xxxx | 09/16/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 304865473 | 35292062 |  | Credit | Income | Income Error | Income | The total of Statement Period Months entered is less than the Qualifying Method entered of Most Recent 12 months. |  | xxxx |  |  |  | xxxx | 09/16/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 304865473 | 35292063 |  | Credit | Income | Income Error | Income | The total of Statement Period Months entered is less than the Qualifying Method entered of Most Recent 12 months. |  | xxxx |  |  |  | xxxx | 09/16/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 304865476 | 35292066 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 09/03/2025 |  | 1 A |  | GA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304865476 | 35292067 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $369.61 exceeds tolerance of $275.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 09/03/2025 |  | 1 A |  | GA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304865476 | 35292068 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide evidence there is no affiliation between the CPA, borrower and borrowers business. | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Documentation Type: 12mo CPA P&L<br> Disposable Income: $6,223.74<br>Reserves: 7.59<br> Guideline Requirement: 3.00<br>Guidelines Representative FICO: 680<br> Representative FICO: 733 | Originator,SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 09/15/2025 | 2 C B |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304865471 | 35292069 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | xxxx | 09/15/2025 |  |  | 1 C A |  | MA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304865471 | 35292072 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after xx/xx/xxxx contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation | xxxx |  |  |  | xxxx | 09/15/2025 |  |  | 1 C A |  | MA | Primary | Purchase | TRID timing exception, no remediation available. C A | Non QM | Non QM | No |
| 304865471 | 35292074 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $475.00 exceeds tolerance of $360.00 plus 10% or $396.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 09/08/2025 |  | 1 A |  | MA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304865518 | 35292077 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | xxxx |  |  |  | xxxx | 09/17/2025 |  |  | 1 C A |  | FL | Primary | Purchase | D B A | Non QM | Non QM | No |
| 304865518 | 35292078 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | xxxx |  |  |  | xxxx | 09/17/2025 |  |  | 1 C A |  | FL | Primary | Purchase | D B A | Non QM | Non QM | No |
| 304865518 | 35292079 |  | Compliance | TRID | Document Error | TRID | Closing Disclosure: Dates are not in chronological order. | - Issue Date: ___; Received Date: ___; Signed Date: ___ | xxxx |  |  |  | xxxx | 09/17/2025 |  |  | 1 B A |  | FL | Primary | Purchase | D B A | Non QM | Non QM | No |
| 304865518 | 35292082 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | xxxx |  |  |  | xxxx | 09/17/2025 |  |  | 1 D A |  | FL | Primary | Purchase | D B A | Non QM | Non QM | No |
| 304865518 | 35292083 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reserves: 18.95<br> Guideline Requirement: 3.00 | SitusAMC<br>Originator Pre-Close,SitusAMC | xxxx |  |  | 09/10/2025 | 2 B |  | FL | Primary | Purchase | D B A | Non QM | Non QM | No |
| 304865509 | 35292084 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 09/16/2025 |  |  | 1 C A D |  | NY | Investment | Refinance - Cash-out - Other | D A | Non QM | N/A | No |
| 304865509 | 35292085 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 09/16/2025 |  |  | 1 C A D |  | NY | Investment | Refinance - Cash-out - Other | D A | Non QM | N/A | No |
| 304865509 | 35292086 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 09/19/2025 |  |  | 1 C A D |  | NY | Investment | Refinance - Cash-out - Other | D A | Non QM | N/A | No |
| 304865509 | 35292087 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | xxxx |  |  |  | xxxx | 09/19/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | D A | Non QM | N/A | No |
| 304865509 | 35292089 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The file is missing the third party verification and P&L Statement for the borrowing business entity. The income documents in the file pertain to a different entity. |  |  |  | xxxx | 09/19/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | D A | Non QM | N/A | No |
| 304865510 | 35292090 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 09/17/2025 |  |  | 1 C A D |  | NY | Investment | Refinance - Cash-out - Other | D A | Non QM | N/A | No |
| 304865510 | 35292091 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 09/19/2025 |  |  | 1 C A D |  | NY | Investment | Refinance - Cash-out - Other | D A | Non QM | N/A | No |
| 304865510 | 35292092 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 09/19/2025 |  |  | 1 C A D |  | NY | Investment | Refinance - Cash-out - Other | D A | Non QM | N/A | No |
| 304865510 | 35292093 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | xxxx |  |  |  | xxxx | 09/19/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | D A | Non QM | N/A | No |
| 304865510 | 35292094 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The file is missing the third party verification and P&L Statement for the borrowing business entity. Also, the CPA letter disclosed a different business entity that does not seem to be a part of the borrowing entity. |  |  |  | xxxx | 09/19/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | D A | Non QM | N/A | No |
| 304865520 | 35292097 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated xx/xx/xxxx). The disclosed Total of Payments in the amount of $xxxx is under disclosed by $xxxx compared to the calculated total of payments of $xxxx which exceeds the $100.00 threshold. | xxxx |  |  |  | xxxx |  | 10/17/2025 |  | 2 C B |  | TX | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 304865520 | 35292100 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $167.00 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 09/15/2025 |  | 1 A |  | TX | Second Home | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304865520 | 35292101 |  | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | xxxx | Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has verified disposable income of at least $2500.00. |  | SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/20/2025 | 2 C B |  | TX | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 304865513 | 35292105 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | File closed using letter from individual with a PTIN; however, per guidelines a PTIN may be used in the following circumstances: Must have an active website identifying name, address and must be able to verify website (Google, LinkedIn etc.) and identify the business as a tax preparer or similar. File does not contain evidence of an active website that was verified. |  |  |  | xxxx | 10/02/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304865513 | 35292106 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide evidence that all judgments on title are paid at or prior to closing. |  |  |  | xxxx | 09/23/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304865513 | 35292107 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 11/11/2025 |  |  | 1 B A C |  | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 304865513 | 35292108 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | xxxx |  |  |  | xxxx |  |  | 11/12/2025 | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304865513 | 35292109 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Missing evidence of the business existence dated within 20 business days of the Note date. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has owned the subject property for at least 5 years. |  | SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/08/2025 | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304865513 | 35292110 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 11/11/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304865513 | 35292111 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | xxxx | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has owned the subject property for at least 5 years. |  | SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/08/2025 | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304865475 | 35292113 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | xxxx |  |  |  | xxxx | 09/26/2025 |  |  | 1 A |  | CA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 304865475 | 35292114 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | xxxx |  |  |  | xxxx | 09/26/2025 |  |  | 1 B A |  | CA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 304865475 | 35292115 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | xxxx |  |  |  | xxxx | 09/26/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 304865475 | 35292118 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide evidence there is no affiliation between the CPA, borrower and borrowers business. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 09/26/2025 | 2 C B |  | CA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 304865475 | 35292119 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 09/26/2025 |  |  | 1 B A C |  | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 304865475 | 35292120 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | xxxx |  |  |  | xxxx | 09/26/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 304865475 | 35292121 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 09/26/2025 | 2 C B |  | CA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 304865475 | 35292122 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 09/26/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 304865886 | 35292128 |  | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | xxxx |  |  |  | xxxx | 10/27/2025 |  |  | 1 C A |  | OR | Primary | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| 304865886 | 35292129 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | xxxx |  |  |  | xxxx | 10/27/2025 |  |  | 1 A |  | OR | Primary | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| 304865886 | 35292131 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xx/xx/xxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. |  |  |  |  | xxxx | 10/22/2025 |  |  | 1 C A |  | OR | Primary | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| 304865754 | 35292146 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $350.00 exceeds tolerance of $147.00 plus 10% or $161.70. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/22/2025 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Exempt from ATR | Exempt from ATR | Yes |
| 304865645 | 35292151 |  | Compliance | TRID | Document Error | TRID | Loan Estimate: Dates are not in chronological order. |  | xxxx |  |  |  | xxxx | 11/02/2025 |  |  | 1 B A |  | FL | Primary | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| 304865664 | 35292153 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $3,165.00 exceeds tolerance of $2,858.00 plus 10% or $3,143.80. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 10/21/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Exempt from ATR | Exempt from ATR | Yes |
| 304865561 | 35292157 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | xxxx |  |  |  | xxxx | 11/11/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| 304865561 | 35292158 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The borrower was qualified using the 12 month bank statement program and the file is missing the May 2025 statement. |  |  |  | xxxx | 11/11/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| 304865561 | 35292160 |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | xxxx |  |  |  | xxxx | 11/11/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| 304865561 | 35292162 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Loan originated as Primary residence, yet URLA declarations indicates borrower will not occupy. |  | xxxx |  |  |  | xxxx | 11/11/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| 304865561 | 35292163 |  | Credit | Income | Document Error | Income | Bank statement page number is blank. |  | xxxx |  |  |  | xxxx | 11/11/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| 304866038 | 35292167 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | xxxx |  |  |  | xxxx | 11/12/2025 |  |  | 1 B A |  | AZ | Primary | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| 304866038 | 35292168 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception request- Borrower has <2years S/E with current business.<br> Comp Factors: 1) Residual Income >= $3,000 2) >= 4 months additional reserves and <=$1.0M 3) CDFI 4) 3 years prev S/E history from 2016-2019. | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Documentation Type: 12mo Bank Statement<br> Disposable Income: $5,055.24<br>Borrower has worked in the same position for more than 3 years.<br>Reserves: 9.12<br> Guideline Requirement: 3.00<br>Borrower's Own Funds Percent: 5.54%<br> Borrower's Own Funds Amount: $30,473.19 | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | xxxx |  |  | 10/23/2025 | 2 B |  | AZ | Primary | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| 304866497 | 35292169 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | xxxx | 11/06/2025 |  |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| 304866497 | 35292172 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Revised Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. | xxxx |  |  |  | xxxx | 11/05/2025 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C A | Exempt from ATR | Exempt from ATR | Yes |
| 304866497 | 35292176 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $5,671.01 exceeds tolerance of $0.00. $5,671.01 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 11/06/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Exempt from ATR | Exempt from ATR | Yes |
| 304866497 | 35292177 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  | xxxx | 11/06/2025 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation C A | Exempt from ATR | Exempt from ATR | No |
| 304866497 | 35292178 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-469.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 11/05/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Exempt from ATR | Exempt from ATR | Yes |
| 304865996 | 35292182 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Title Update. Fee Amount of $195.00 exceeds tolerance of $50.00. $145.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/31/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Exempt from ATR | Exempt from ATR | Yes |
| 304865996 | 35292183 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrowers living rent free with anyone other than a spouse require an LOE from the homeowner along with evidence of UW discretion used in approving the loan. File is missing the UW discretion. |  |  |  | xxxx | 10/31/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 304865996 | 35292184 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 7.99<br> Guideline Requirement: 3.00<br>DTI: 35.35965% <br> Guideline Maximum DTI: 50.00000%<br>Guidelines Representative FICO: 660<br> Representative FICO: 718 | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 11/12/2025 | 2 C B |  | FL | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 304865996 | 35292185 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Guidelines for the P&L only program require a profit and loss covering the most recent previous 12 months, completed and reviewed by a Certified Public Accountant, Enrolled Agent, CTEC, Chartered Tax Adviser or Independent Licensed Accountant. Loan file contains letter from the tax preparer indicating the accompanying financial statement of the business used in income qualifying as of and for the year ending xx/xx/xxxx were not subject to an audit, review or compilation engagement by their firm. Further, the P&L provided is not signed/dated by the tax professional. Evidence the P&L provided for income qualification meets the guideline requirements will be required. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 7.99<br> Guideline Requirement: 3.00<br>DTI: 35.35965% <br> Guideline Maximum DTI: 50.00000%<br>Guidelines Representative FICO: 660<br> Representative FICO: 718 | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 11/12/2025 | 2 C B |  | FL | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 304866071 | 35292188 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $311.00 exceeds tolerance of $238.00 plus 10% or $261.80. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 10/21/2025 |  | 1 A |  | OR | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Exempt from ATR | Exempt from ATR | Yes |
| 304865893 | 35292193 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-304.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/29/2025 |  |  | 1 C A |  | NC | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Exempt from ATR | Exempt from ATR | Yes |
| 304866033 | 35292199 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | CPA letter provided in file is not dated. |  |  |  | xxxx | 10/30/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| 304866033 | 35292200 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | xxxx |  |  |  | xxxx | 10/30/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| 304866332 | 35292226 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | xxxx | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has verified disposable income of at least $2500.00. | Borrower's Own Funds Percent: 61.00%<br> Borrower's Own Funds Amount: $2,138,336.61<br>Reserves: 60.23<br> Guideline Requirement: 9.00<br>Guidelines Representative FICO: 680<br> Representative FICO: 776<br>Documentation Type: 12mo CPA P&L<br> Disposable Income: $53,025.98 | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | xxxx |  |  | 10/23/2025 | 2 B |  | UT | Primary | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| 304866258 | 35292240 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | xxxx |  |  |  | xxxx | 11/03/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| 304866258 | 35292241 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | xxxx |  |  |  | xxxx | 11/03/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| 304866199 | 35292244 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,620.00 exceeds tolerance of $2,337.00 plus 10% or $2,570.70. $49.30 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/30/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Exempt from ATR | Exempt from ATR | Yes |
| 304866199 | 35292245 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than 5 years. | DTI: 26.51211% <br> Guideline Maximum DTI: 50.00000%<br>Borrower has been employed in the same industry for more than 5 years. | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | xxxx |  |  | 10/24/2025 | 2 B |  | CA | Primary | Refinance - Rate/Term | C B A | Exempt from ATR | Exempt from ATR | No |
| 304866131 | 35292247 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 10/29/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| 304866131 | 35292251 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-543.75 exceeds tolerance of $-812.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 11/07/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Exempt from ATR | Exempt from ATR | Yes |
| 304866085 | 35292256 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $176.00 exceeds tolerance of $151.00 plus 10% or $166.10. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 10/22/2025 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Exempt from ATR | Exempt from ATR | Yes |
| 304866202 | 35292258 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved Exception for 2025 HOA budget reflects insufficient reserves (6.72%) and current balance sheet could not be provided. Compensating factors (1) Residual income >= $30,000.00, (2) DTI at least 10 percentage points < 50% , (3) Borrower is self-employed dentist for 3 years, in profession for 20 years, (4) Subject property's mortgage pay history with xxxx 0x30 with 37 months reviewed. (5) Investment property's first mortgage pay history with xxxx is 0x30 with 76 months reviewed. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has verified disposable income of at least $2500.00. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>DTI: 33.51981% <br> Guideline Maximum DTI: 50.00000%<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: $32,764.49 | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | xxxx |  |  | 10/24/2025 | 2 B |  | FL | Investment | Refinance - Cash-out - Other | B A | Exempt from ATR | N/A | No |
| 304866490 | 35292259 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | xxxx | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Documentation Type: 12mo Bank Statement<br> Disposable Income: $5,607.21<br>Reserves: 19.86<br> Guideline Requirement: 3.00 | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 11/11/2025 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| 304865734 | 35292264 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for TX Guaranty Fee. Fee Amount of $4.00 exceeds tolerance of $0.00. $4.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 11/03/2025 |  | 2 C B |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Exempt from ATR | Exempt from ATR | Yes |
| 304865908 | 35292269 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception Approved at origination: <br> An exception is requested to allow rental income from the lease to be considered for qualification purposes with no rent receipts. Lease agreements for both investment REOs are present in the file. Although rent payments were made in cash, LOE has been provided to clarify the circumstances. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Guidelines Representative FICO: 640<br> Representative FICO: 703<br>Loan to Value: 41.00719%<br> Guideline Maximum Loan to Value: 70.00000% | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | xxxx |  |  | 10/24/2025 | 2 B |  | NJ | Primary | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| 304866507 | 35292293 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  | xxxx |  |  |  | xxxx | 10/10/2025 |  |  | 1 C A |  | GA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304868739 | 35292341 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | xxxx |  |  |  | xxxx | 10/29/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| 304868711 | 35292357 |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | xxxx |  |  |  | xxxx | 10/20/2025 |  |  | 1 D A |  | CA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304868685 | 35292364 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved at origination for Appraisal without AMC. Comp factors 715 FICO, 50% LTV and DSCR 1.69. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Debt Service Coverage Ratio: 1.69<br> Guideline Requirement: 1.00<br>Guidelines Representative FICO: 620<br> Representative FICO: 715 | SitusAMC<br>SitusAMC | xxxx |  |  | 10/20/2025 | 2 B |  | CT | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304868670 | 35311741 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  | xxxx |  |  |  | xxxx | 10/09/2025 |  |  | 1 C A |  | OH | Investment | Refinance - Cash-out - Other | C A |  | N/A | Yes |
| 304865574 | 35311743 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 10/13/2025 |  |  | 1 C A D |  | NC | Investment | Purchase | D A |  | N/A | No |
| 304865785 | 35311745 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 640<br> Representative FICO: 683 | Originator Pre-Close,SitusAMC | xxxx |  |  | 10/06/2025 | 2 B |  | GA | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| 304868701 | 35311759 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide explanation from borrower for the recent listing. |  |  |  | xxxx | 11/03/2025 |  |  | 1 C A |  | IL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304868716 | 35311760 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | xxxx |  |  |  | xxxx | 10/27/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C A |  | N/A | No |
| 304868727 | 35311765 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Known defect: Borrower doesn't have housing history for 12 months and pays rent semi-annually | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reserves: 90.54<br> Guideline Requirement: 0.00 | SitusAMC | xxxx |  |  | 10/17/2025 | 2 C B |  | WA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304868727 | 35311767 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Instructions not provided |  | xxxx |  |  |  | xxxx | 10/17/2025 |  |  | 1 C A |  | WA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304868714 | 35311770 |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | xxxx |  |  |  | xxxx | 10/20/2025 |  |  | 1 D A |  | CA | Investment | Purchase | D A |  | N/A | No |
| 304868720 | 35311779 |  | Credit | Guideline | Guideline Issue | Guideline | Borrower is a first time home buyer and ineligible per guidelines. |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | 4+ months of reserves over the minimum of 0 required | SitusAMC,Originator<br>SitusAMC | xxxx |  |  | 10/20/2025 | 2 B |  | SC | Investment | Purchase | C B A |  | N/A | No |
| 304868720 | 35311780 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  | xxxx |  |  |  | xxxx | 10/28/2025 |  |  | 1 C A |  | SC | Investment | Purchase | C B A |  | N/A | No |
| 304889819 | 35311786 |  | Credit | Business Purpose | General | Business Purpose | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx |  |  |  | xxxx | 11/13/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 304875805 | 35351709 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx | 11/10/2025 |  |  | 1 B A |  | MD | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304893197 | 35351719 |  | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided) | Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower. |  |  |  |  | xxxx | 11/10/2025 |  |  | 1 B A |  | MD | Second Home | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| 304893197 | 35351723 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | xxxx |  |  |  | xxxx | 11/10/2025 |  |  | 1 B A |  | MD | Second Home | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| 304902647 | 35351724 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | xxxx |  |  |  | xxxx | 11/18/2025 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| 304902647 | 35351725 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - REO 25% Method | Ability to Repay (Dodd-Frank 2014): Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. | xxxx |  |  |  | xxxx | 11/18/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 304902647 | 35351728 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | xxxx |  |  |  | xxxx | 11/18/2025 |  |  | 1 A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 304902647 | 35351731 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 11/18/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 304875740 | 35351753 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | xxxx |  |  |  | xxxx | 11/13/2025 |  |  | 1 B A |  | MD | Primary | Purchase | B A | Non QM | Non QM | No |
| 304893089 | 35351772 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx |  |  |  | xxxx | 11/06/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304893089 | 35351773 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 11/06/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304893089 | 35351774 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | xxxx |  |  |  | xxxx | 11/06/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304871702 | 35351785 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 11/13/2025 |  |  | 1 C A |  | IL | Investment | Purchase | C A |  | N/A | No |
| 304871702 | 35351786 |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | xxxx |  |  |  | xxxx | 11/25/2025 |  |  | 1 C A |  | IL | Investment | Purchase | C A |  | N/A | No |
| 304902657 | 35351830 |  | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal |  | xxxx |  |  |  | xxxx | 11/20/2025 |  |  | 1 C A |  | IL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |

---

## Exhibit 99.4

[j.p. morgan acceptance corporation ii abs-15G](jpmmt-abs15g.htm)

**Exhibit 99.4**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **Customer Loan ID** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** |
| 304035527 | C |  | A | C | A |  | A | A |  |
| 304242421 | A | C | A | C | A | A | A | A |  |
| 304319976 | C | C | A | C | A | A | A | A |  |
| 304314368 | A | A | A | A | A | A | A | A |  |
| 304335456 | A | A | A | A | A | A | A | A |  |
| 304402736 | A | A | A | A | A | A | A | A |  |
| 304420777 | A | B | A | B | A | B | A | B |  |
| 304440053 | C | A | A | C | A | A | A | A |  |
| 304436479 | C | A | C | C | A | A | A | A |  |
| 304423545 | A |  | A | A | A |  | A | A |  |
| 304397826 | C | B | A | C | B | B | A | B |  |
| 304471392 | A |  | A | A | A |  | A | A |  |
| 304471386 | A |  | A | A | A |  | A | A |  |
| 304637213 | A | A | A | A | A | A | A | A |  |
| 304640466 | C | C | A | C | B | A | A | B |  |
| 304643474 | A | C | A | C | A | B | A | B |  |
| 304641278 | A | C | A | C | A | B | A | B |  |
| 304494451 | A | C | A | C | A | B | A | B |  |
| 304643530 | A |  | A | A | A |  | A | A |  |
| 304635795 | A |  | A | A | A |  | A | A |  |
| 304680597 | A | C | A | C | A | B | A | B |  |
| 304692232 | C | A | A | C | A | A | A | A |  |
| 304720421 | C | A | A | C | B | A | A | B |  |
| 304681521 | A |  | A | A | A |  | A | A |  |
| 304695674 | A |  | A | A | A |  | A | A |  |
| 304695744 | A |  | A | A | A |  | A | A |  |
| 304706993 | A |  | A | A | A |  | A | A |  |
| 304726658 | A | B | A | B | A | B | A | B |  |
| 304405506 | C D |  | A | C D | A |  | A | A |  |
| 304705787 | C | A | A | C | B | A | A | B |  |
| 304708800 | C | A | A | C | B | A | A | B |  |
| 304734210 | C | C | A | C | A | B | A | B |  |
| 304682638 | A |  | A | A | A |  | A | A |  |
| 304692153 | A |  | A | A | A |  | A | A |  |
| 304736333 | A | C | A | C | A | B | A | B |  |
| 304732126 | C | B | D | D | A | B | A | B |  |
| 304759938 | C | B | A | C | B | B | A | B |  |
| 304750447 | C | C | A | C | B | A | A | B |  |
| 304705576 | C |  | A | C | B |  | A | B |  |
| 304760390 | B | C | A | C | B | A | A | B |  |
| 304754651 | A | C | A | C | A | A | A | A |  |
| 304749739 | A | C | A | C | A | B | A | B |  |
| 304760513 | A | C | A | C | A | B | A | B |  |
| 304750090 | A | A | A | A | A | A | A | A |  |
| 304766837 | A | A | A | A | A | A | A | A |  |
| 304760514 | B | C | A | C | B | B | A | B |  |
| 304721809 | C | A | A | C | B | A | A | B |  |
| 304764444 | A | B | A | B | A | B | A | B |  |
| 304750489 | B | A | A | B | B | A | A | B |  |
| 304693238 | C |  | A | C | A |  | A | A |  |
| 304734644 | C |  | A | C | B |  | A | B |  |
| 304760517 | A | A | A | A | A | A | A | A |  |
| 304764429 | A | C | A | C | A | B | A | B |  |
| 304751879 | B | A | A | B | B | A | A | B |  |
| 304768003 | B | C | A | C | B | B | A | B |  |
| 304759909 | A | B | A | B | A | B | A | B |  |
| 304732700 | A | C | A | C | A | B | A | B |  |
| 304755101 | A | C | A | C | A | A | A | A |  |
| 304765862 | A | A | A | A | A | B | A | B |  |
| 304763249 | A | A | A | A | A | B | A | B |  |
| 304769730 | C | C | A | C | B | B | A | B |  |
| 304707110 | A |  | A | A | A |  | A | A |  |
| 304764094 | A | B | A | B | A | B | A | B |  |
| 304749738 | B | A | A | B | B | A | A | B |  |
| 304765349 | A | A | A | A | A | A | A | A |  |
| 304756875 | A | C | A | C | A | A | A | A |  |
| 304811434 | A | A | A | A | A | A | A | A |  |
| 304756784 | A | C | A | C | A | A | A | A |  |
| 304764442 | A | A | A | A | A | A | A | A |  |
| 304776870 | A | A | A | A | A | A | A | A |  |
| 304682535 | A |  | C | C | A |  | A | A |  |
| 304693248 | C |  | A | C | A |  | A | A |  |
| 304681523 | C |  | A | C | B |  | A | B |  |
| 304708951 | D |  | A | D | B |  | A | B |  |
| 304750234 | C |  | A | C | A |  | A | A |  |
| 304789535 | B | A | A | B | B | A | A | B |  |
| 304769633 | A | C | A | C | A | B | A | B |  |
| 304750020 | A | B | A | B | A | B | A | B |  |
| 304789533 | A | A | A | A | A | A | A | A |  |
| 304768650 | C | A | A | C | B | A | A | B |  |
| 304813334 | A | A | A | A | A | A | A | A |  |
| 304758773 | A | C | A | C | A | A | A | A |  |
| 304817852 | A | B | A | B | A | B | A | B |  |
| 304817855 | B | B | A | B | B | B | A | B |  |
| 304777341 | A | A | A | A | A | A | A | A |  |
| 304768851 | B | A | A | B | B | A | A | B |  |
| 304818381 | A | B | A | B | A | B | A | B |  |
| 304729314 | A | B | A | B | A | B | A | B |  |
| 304818380 | B | C | A | C | B | B | A | B |  |
| 304823336 | B | B | A | B | B | B | A | B |  |
| 304768570 | B | B | A | B | B | B | A | B |  |
| 304813330 | A | A | A | A | A | A | A | A |  |
| 304777835 | B | A | A | B | B | B | A | B |  |
| 304819348 | B | C | A | C | B | B | A | B |  |
| 304827717 | A | A | A | A | A | A | A | A |  |
| 304756708 | C | A | A | C | A | A | A | A |  |
| 304827062 | A | A | A | A | A | A | A | A |  |
| 304822903 | B | B | A | B | B | B | A | B |  |
| 304825295 | C | C | A | C | A | B | A | B |  |
| 304833308 | A | B | A | B | A | B | A | B |  |
| 304749954 | A | C | A | C | A | A | A | A |  |
| 304833302 | A | C | A | C | A | B | A | B |  |
| 304828411 | A | B | A | B | A | B | A | B |  |
| 304823320 | A | C | A | C | A | B | A | B |  |
| 304819350 | A | B | A | B | A | B | A | B |  |
| 304769950 | B |  | A | B | B |  | A | B |  |
| 304769973 | C |  | A | C | A |  | A | A |  |
| 304750233 | A |  | A | A | A |  | A | A |  |
| 304827680 | A | B | A | B | A | B | A | B |  |
| 304756868 | A | A | A | A | A | A | A | A |  |
| 304765325 | A | C | A | C | A | B | A | B |  |
| 304840911 | A | B | A | B | A | B | A | B |  |
| 304823106 | A | B | A | B | A | B | A | B |  |
| 304825141 | A | B | A | B | A | B | A | B |  |
| 304840921 | A | B | A | B | A | B | A | B |  |
| 304825582 | A | B | A | B | A | B | A | B |  |
| 304823436 | A | B | A | B | A | B | A | B |  |
| 304839685 | B | C | A | C | B | B | A | B |  |
| 304842860 | B | B | A | B | B | B | A | B |  |
| 304825140 | A | C | A | C | A | B | A | B |  |
| 304826948 | A | B | A | B | A | B | A | B |  |
| 304825116 | A | C | A | C | A | A | A | A |  |
| 304844621 | B | B | A | B | B | B | A | B |  |
| 304846385 | A | B | A | B | A | B | A | B |  |
| 304846308 | C | A | A | C | A | A | A | A |  |
| 304839035 | B | B | A | B | B | B | A | B |  |
| 304848641 | A | B | A | B | A | B | A | B |  |
| 304818321 | A | B | A | B | A | B | A | B |  |
| 304828115 | A | C | A | C | A | A | A | A |  |
| 304846884 | A | C | A | C | A | A | A | A |  |
| 304833304 | B | A | A | B | B | B | A | B |  |
| 304822855 | C | B | A | C | A | B | A | B |  |
| 304846997 | C | A | A | C | B | A | A | B |  |
| 304840223 | A |  | A | A | A |  | A | A |  |
| 304769731 | A | C | A | C | A | A | A | A |  |
| 304846998 | A | B | A | B | A | A | A | A |  |
| 304843025 | A | C | A | C | A | B | A | B |  |
| 304848984 | C | A | A | C | A | A | A | A |  |
| 304860681 | A | C | A | C | A | B | A | B |  |
| 304847537 | B | C | A | C | B | A | A | B |  |
| 304780015 | A | C | A | C | A | B | A | B |  |
| 304840839 | C |  | A | C | B |  | A | B |  |
| 304825097 | C | C | A | C | A | A | A | A |  |
| 304861600 | B | B | A | B | B | B | A | B |  |
| 304844612 | B | A | A | B | B | A | A | B |  |
| 304865426 | A | C | A | C | A | B | A | B |  |
| 304840462 | A | C | A | C | A | B | A | B |  |
| 304874062 | A | A | A | A | A | A | A | A |  |
| 304874053 | A | B | A | B | A | B | A | B |  |
| 304874014 | A | A | A | A | A | A | A | A |  |
| 304874065 | A | A | A | A | A | A | A | A |  |
| 304874050 | A | A | A | A | A | A | A | A |  |
| 304874016 | A | A | A | A | A | A | A | A |  |
| 304874015 | A | A | A | A | A | A | A | A |  |
| 304874052 | A | B | A | B | A | B | A | B |  |
| 304874037 | C | A | A | C | A | A | A | A |  |
| 304874034 | C | B | A | C | B | B | A | B |  |
| 304874046 | A |  | A | A | A |  | A | A |  |
| 304874024 | C |  | A | C | B |  | A | B |  |
| 304874058 | C |  | A | C | B |  | A | B |  |
| 304874027 | C |  | A | C | A |  | A | A |  |
| 304874019 | A |  | A | A | A |  | A | A |  |
| 304874047 | A |  | A | A | A |  | A | A |  |
| 304865220 | B | C | A | C | B | A | A | B |  |
| 304849031 | B | A | A | B | B | A | A | B |  |
| 304826966 | C | C | A | C | A | B | A | B |  |
| 304858928 | A |  | A | A | A |  | A | A |  |
| 304833276 | A | A | A | A | A | A | A | A |  |
| 304842858 | A | B | A | B | A | B | A | B |  |
| 304848115 | C | C | A | C | A | B | A | B |  |
| 304867864 | A | A | A | A | A | A | A | A |  |
| 304854949 | A | A | A | A | A | A | A | A |  |
| 304821122 | B | C | A | C | B | B | A | B |  |
| 304846313 | A | A | A | A | A | A | A | A |  |
| 304849326 | A | C | A | C | A | B | A | B |  |
| 304857397 | A | B | A | B | A | B | A | B |  |
| 304868295 | C | B | A | C | A | B | A | B |  |
| 304845380 | A | A | A | A | A | A | A | A |  |
| 304840505 | A |  | A | A | A |  | A | A |  |
| 304865135 | B | C | A | C | B | A | A | B |  |
| 304865049 | A | B | A | B | A | B | A | B |  |
| 304846895 | A | A | A | A | A | A | A | A |  |
| 304870004 | A | A | A | A | A | A | A | A |  |
| 304860689 | A | A | A | A | A | A | A | A |  |
| 304868291 | A | A | A | A | A | A | A | A |  |
| 304840875 | A | B | A | B | A | B | A | B |  |
| 304860691 | A | B | A | B | A | B | A | B |  |
| 304865422 | A | A | A | A | A | A | A | A |  |
| 304870030 | A | C | A | C | A | B | A | B |  |
| 304868117 | A | B | A | B | A | B | A | B |  |
| 304845364 | A | A | A | A | A | A | A | A |  |
| 304823173 | A | A | A | A | A | A | A | A |  |
| 304871988 | A | C | A | C | A | B | A | B |  |
| 304840878 | C | C | A | C | A | B | A | B |  |
| 304849019 | C |  | A | C | B |  | A | B |  |
| 304874780 | A | A | A | A | A | A | A | A |  |
| 304865206 | C | A | A | C | A | A | A | A |  |
| 304872019 | A | B | A | B | A | B | A | B |  |
| 304869349 | A | B | A | B | A | B | A | B |  |
| 304869181 | A | A | A | A | A | A | A | A |  |
| 304869183 | A | A | A | A | A | A | A | A |  |
| 304758973 | B | A | A | B | B | A | A | B |  |
| 304874524 | A | C | A | C | A | B | A | B |  |
| 304860235 | B | C | A | C | B | B | A | B |  |
| 304871508 | A | A | A | A | A | A | A | A |  |
| 304873089 | A | B | A | B | A | B | A | B |  |
| 304856473 | A | C | A | C | A | A | A | A |  |
| 304874816 | A | A | A | A | A | A | A | A |  |
| 304858949 | A | B | A | B | A | B | A | B |  |
| 304873555 | A | B | A | B | A | B | A | B |  |
| 304875152 | A | B | A | B | A | B | A | B |  |
| 304871990 | A | B | A | B | A | B | A | B |  |
| 304874410 | A | A | A | A | A | A | A | A |  |
| 304858895 | A | B | A | B | A | B | A | B |  |
| 304871977 | A | A | A | A | A | A | A | A |  |
| 304871454 | A | A | A | A | A | A | A | A |  |
| 304876008 | A | A | A | A | A | A | A | A |  |
| 304865134 | C | A | A | C | A | A | A | A |  |
| 304849333 | B | C | A | C | B | A | A | B |  |
| 304870077 | B | C | A | C | B | A | A | B |  |
| 304877944 | A | A | A | A | A | A | A | A |  |
| 304873560 | A | C | A | C | A | A | A | A |  |
| 304876009 | A | A | A | A | A | A | A | A |  |
| 304888290 | A | A | A | A | A | A | A | A |  |
| 304871989 | A | B | A | B | A | B | A | B |  |
| 304875150 | A | B | D | D | A | B | A | B |  |
| 304858896 | A | A | A | A | A | A | A | A |  |
| 304758483 | B | A | A | B | B | A | A | B |  |
| 304871448 | A | A | A | A | A | A | A | A |  |
| 304867861 | A | A | A | A | A | A | A | A |  |
| 304874406 | A | B | A | B | A | B | A | B |  |
| 304874333 | A | A | A | A | A | A | A | A |  |
| 304868286 | A | A | A | A | A | A | A | A |  |
| 304858946 | A | A | A | A | A | A | A | A |  |
| 304871972 | A | A | A | A | A | A | A | A |  |
| 304887764 | B | A | A | B | B | A | A | B |  |
| 304887768 | C | A | A | C | A | A | A | A |  |
| 304860659 | A | A | A | A | A | A | A | A |  |
| 304871518 | B | C | A | C | B | A | A | B |  |
| 304873993 | A | A | A | A | A | A | A | A |  |
| 304877939 | A | A | A | A | A | A | A | A |  |
| 304873977 | A | B | A | B | A | B | A | B |  |
| 304869255 | B | A | A | B | B | A | A | B |  |
| 304842871 | B | A | A | B | B | A | A | B |  |
| 304875159 | A | A | A | A | A | A | A | A |  |
| 304874779 | A | B | A | B | A | B | A | B |  |
| 304848287 | A | B | A | B | A | B | A | B |  |
| 304876089 | A | A | A | A | A | A | A | A |  |
| 304875129 | B | A | A | B | B | A | A | B |  |
| 304861536 | A | A | A | A | A | A | A | A |  |
| 304887766 | C | C | A | C | B | B | A | B |  |
| 304892078 | A | C | A | C | A | B | A | B |  |
| 304878901 | B | C | A | C | B | A | A | B |  |
| 304870007 | A | A | A | A | A | A | A | A |  |
| 304877927 | A | B | A | B | A | B | A | B |  |
| 304891149 | C | A | A | C | A | A | A | A |  |
| 304876092 | A | A | A | A | A | A | A | A |  |
| 304876101 | A | B | A | B | A | B | A | B |  |
| 304875161 | A | C | A | C | A | A | A | A |  |
| 304874778 | A | A | A | A | A | A | A | A |  |
| 304877943 | A | B | A | B | A | B | A | B |  |
| 304874107 | A | B | A | B | A | B | A | B |  |
| 304874343 | A | A | A | A | A | A | A | A |  |
| 304876025 | A | A | A | A | A | A | A | A |  |
| 304874306 | A | A | A | A | A | A | A | A |  |
| 304875642 | A | A | A | A | A | A | A | A |  |
| 304840537 | C | C | A | C | B | A | A | B |  |
| 304840556 | C | A | A | C | A | A | A | A |  |
| 304840701 | A | A | A | A | A | A | A | A |  |
| 304813428 | A | C D | A | C D | A | A | A | A |  |
| 304879041 | A | A | A | A | A | A | A | A |  |
| 304874777 | A | B | A | B | A | B | A | B |  |
| 304869348 | A | B | A | B | A | B | A | B |  |
| 304876007 | B | C | A | C | B | A | A | B |  |
| 304871443 | A | A | A | A | A | A | A | A |  |
| 304894690 | C | B | A | C | A | B | A | B |  |
| 304861544 | A | A | A | A | A | A | A | A |  |
| 304875932 | A | A | A | A | A | A | A | A |  |
| 304896418 | A | A | A | A | A | A | A | A |  |
| 304876541 | C | B | A | C | B | B | A | B |  |
| 304856876 | A | A | A | A | A | A | A | A |  |
| 304894304 | A | A | A | A | A | A | A | A |  |
| 304889374 | A | C | A | C | A | A | A | A |  |
| 304844516 | A |  | A | A | A |  | A | A |  |
| 304867479 | C |  | A | C | A |  | A | A |  |
| 304849173 | C |  | A | C | A |  | A | A |  |
| 304849225 | C |  | A | C | A |  | A | A |  |
| 304849204 | C |  | A | C | B |  | A | B |  |
| 304844394 | C |  | C | C | B |  | A | B |  |
| 304844480 | C |  | A | C | A |  | A | A |  |
| 304844445 | A |  | A | A | A |  | A | A |  |
| 304867422 | A |  | A | A | A |  | A | A |  |
| 304867370 | C |  | A | C | A |  | A | A |  |
| 304849081 | C |  | A | C | A |  | A | A |  |
| 304849181 | C |  | A | C | B |  | A | B |  |
| 304869333 | C |  | A | C | B |  | A | B |  |
| 304849075 | A |  | A | A | A |  | A | A |  |
| 304849113 | A |  | A | A | A |  | A | A |  |
| 304867445 | A |  | A | A | A |  | A | A |  |
| 304867391 | A |  | A | A | A |  | A | A |  |
| 304869267 | A |  | A | A | A |  | A | A |  |
| 304867465 | A |  | A | A | A |  | A | A |  |
| 304867437 | A |  | A | A | A |  | A | A |  |
| 304867439 | A |  | A | A | A |  | A | A |  |
| 304869329 | A |  | A | A | A |  | A | A |  |
| 304867406 | A |  | A | A | A |  | A | A |  |
| 304849067 | C |  | A | C | A |  | A | A |  |
| 304869299 | A |  | A | A | A |  | A | A |  |
| 304869298 | A |  | A | A | A |  | A | A |  |
| 304867356 | A |  | A | A | A |  | A | A |  |
| 304849243 | A |  | A | A | A |  | A | A |  |
| 304867373 | A |  | A | A | A |  | A | A |  |
| 304867426 | A |  | A | A | A |  | A | A |  |
| 304867389 | A |  | A | A | A |  | A | A |  |
| 304867442 | A |  | A | A | A |  | A | A |  |
| 304849159 | A |  | A | A | A |  | A | A |  |
| 304849220 | D |  | A | D | A |  | A | A |  |
| 304867412 | A |  | A | A | A |  | A | A |  |
| 304825005 | A |  | A | A | A |  | A | A |  |
| 304867381 | A |  | A | A | A |  | A | A |  |
| 304867380 | A |  | A | A | A |  | A | A |  |
| 304867403 | C |  | A | C | A |  | A | A |  |
| 304869312 | A |  | A | A | A |  | A | A |  |
| 304849169 | A |  | A | A | A |  | A | A |  |
| 304867453 | A |  | A | A | A |  | A | A |  |
| 304867463 | A |  | A | A | A |  | A | A |  |
| 304849172 | A |  | A | A | A |  | A | A |  |
| 304847741 | A |  | A | A | A |  | A | A |  |
| 304867408 | A |  | A | A | A |  | A | A |  |
| 304849089 | A |  | A | A | A |  | A | A |  |
| 304849221 | C |  | A | C | A |  | A | A |  |
| 304824944 | A |  | A | A | A |  | A | A |  |
| 304867424 | A |  | A | A | A |  | A | A |  |
| 304847681 | A |  | A | A | A |  | A | A |  |
| 304849053 | A |  | A | A | A |  | A | A |  |
| 304867483 | A |  | A | A | A |  | A | A |  |
| 304867484 | A |  | A | A | A |  | A | A |  |
| 304867429 | A |  | A | A | A |  | A | A |  |
| 304867385 | A |  | A | A | A |  | A | A |  |
| 304849196 | A |  | A | A | A |  | A | A |  |
| 304849124 | A |  | A | A | A |  | A | A |  |
| 304869292 | A |  | A | A | A |  | A | A |  |
| 304867353 | A |  | A | A | A |  | A | A |  |
| 304867354 | A |  | A | A | A |  | A | A |  |
| 304849091 | C |  | A | C | B |  | A | B |  |
| 304869316 | A |  | A | A | A |  | A | A |  |
| 304867364 | A |  | A | A | A |  | A | A |  |
| 304869311 | C |  | A | C | A |  | A | A |  |
| 304867362 | C |  | A | C | A |  | A | A |  |
| 304869324 | A |  | A | A | A |  | A | A |  |
| 304867405 | A |  | A | A | A |  | A | A |  |
| 304869282 | C |  | A | C | B |  | A | B |  |
| 304867357 | A |  | A | A | A |  | A | A |  |
| 304867438 | A |  | A | A | A |  | A | A |  |
| 304849163 | C |  | A | C | A |  | A | A |  |
| 304867415 | C |  | A | C | A |  | A | A |  |
| 304869308 | A |  | A | A | A |  | A | A |  |
| 304867377 | C |  | A | C | B |  | A | B |  |
| 304869269 | A |  | A | A | A |  | A | A |  |
| 304869285 | C D |  | A | C D | A |  | A | A |  |
| 304869310 | A |  | A | A | A |  | A | A |  |
| 304869320 | A |  | A | A | A |  | A | A |  |
| 304867399 | A |  | A | A | A |  | A | A |  |
| 304849168 | A |  | A | A | A |  | A | A |  |
| 304867372 | A |  | A | A | A |  | A | A |  |
| 304849090 | A |  | A | A | A |  | A | A |  |
| 304849055 | C |  | A | C | A |  | A | A |  |
| 304849228 | C |  | A | C | A |  | A | A |  |
| 304847757 | A |  | A | A | A |  | A | A |  |
| 304847696 | A |  | A | A | A |  | A | A |  |
| 304867387 | A |  | A | A | A |  | A | A |  |
| 304867386 | C |  | A | C | A |  | A | A |  |
| 304867382 | A |  | A | A | A |  | A | A |  |
| 304867367 | A |  | A | A | A |  | A | A |  |
| 304869318 | C |  | A | C | A |  | A | A |  |
| 304867441 | A |  | A | A | A |  | A | A |  |
| 304867434 | A |  | A | A | A |  | A | A |  |
| 304844385 | C |  | A | C | A |  | A | A |  |
| 304869275 | C |  | A | C | A |  | A | A |  |
| 304869272 | A |  | A | A | A |  | A | A |  |
| 304869328 | A |  | A | A | A |  | A | A |  |
| 304869327 | A |  | A | A | A |  | A | A |  |
| 304869290 | A |  | A | A | A |  | A | A |  |
| 304869284 | C |  | A | C | A |  | A | A |  |
| 304849233 | B |  | A | B | B |  | A | B |  |
| 304889898 | C |  | A | C | A |  | A | A |  |
| 304869296 | A |  | A | A | A |  | A | A |  |
| 304869317 | A |  | A | A | A |  | A | A |  |
| 304849101 | A |  | A | A | A |  | A | A |  |
| 304867388 | A |  | A | A | A |  | A | A |  |
| 304847714 | A |  | A | A | A |  | A | A |  |
| 304844381 | A |  | A | A | A |  | A | A |  |
| 304889852 | A |  | A | A | A |  | A | A |  |
| 304889926 | C |  | A | C | A |  | A | A |  |
| 304844435 | A |  | A | A | A |  | A | A |  |
| 304847748 | A |  | A | A | A |  | A | A |  |
| 304867398 | A |  | A | A | A |  | A | A |  |
| 304867384 | A |  | A | A | A |  | A | A |  |
| 304867427 | A |  | A | A | A |  | A | A |  |
| 304889798 | A |  | A | A | A |  | A | A |  |
| 304889867 | C |  | A | C | A |  | A | A |  |
| 304867396 | C |  | A | C | A |  | A | A |  |
| 304869309 | C |  | A | C | B |  | A | B |  |
| 304889790 | A |  | A | A | A |  | A | A |  |
| 304899094 | A |  | A | A | A |  | A | A |  |
| 304889786 | C |  | A | C | B |  | A | B |  |
| 304869265 | A |  | A | A | A |  | A | A |  |
| 304889848 | C |  | A | C | A |  | A | A |  |
| 304889826 | A |  | A | A | A |  | A | A |  |
| 304889837 | C |  | A | C | A |  | A | A |  |
| 304889835 | C |  | A | C | A |  | A | A |  |
| 304889834 | C |  | A | C | A |  | A | A |  |
| 304889923 | A |  | A | A | A |  | A | A |  |
| 304849165 | A |  | A | A | A |  | A | A |  |
| 304889795 | A |  | A | A | A |  | A | A |  |
| 304889822 | A |  | A | A | A |  | A | A |  |
| 304899104 | A |  | A | A | A |  | A | A |  |
| 304847755 | A |  | A | A | A |  | A | A |  |
| 304889856 | A |  | A | A | A |  | A | A |  |
| 304889843 | A |  | A | A | A |  | A | A |  |
| 304844467 | A |  | A | A | A |  | A | A |  |
| 304889851 | A |  | A | A | A |  | A | A |  |
| 304889784 | A |  | A | A | A |  | A | A |  |
| 304889842 | A |  | A | A | A |  | A | A |  |
| 304840602 | C |  | A | C | A |  | A | A |  |
| 304897210 | A |  | A | A | A |  | A | A |  |
| 304750217 | C |  | A | C | A |  | A | A |  |
| 304898957 | C |  | A | C | A |  | A | A |  |
| 304898955 | C |  | A | C | A |  | A | A |  |
| 304898954 | C |  | A | C | A |  | A | A |  |
| 304899132 | A |  | A | A | A |  | A | A |  |
| 304824962 | C D |  | A | C D | A |  | A | A |  |
| 304824930 | C |  | A | C | A |  | A | A |  |
| 304889940 | A |  | A | A | A |  | A | A |  |
| 304889938 | C |  | A | C | B |  | A | B |  |
| 304889939 | C |  | A | C | A |  | A | A |  |
| 304889941 | B |  | A | B | B |  | A | B |  |
| 304889943 | A |  | A | A | A |  | A | A |  |
| 304889936 | A |  | A | A | A |  | A | A |  |
| 304867414 | C |  | A | C | A |  | A | A |  |
| 304867455 | C |  | A | C | A |  | A | A |  |
| 304867447 | A |  | A | A | A |  | A | A |  |
| 304849118 | C |  | A | C | A |  | A | A |  |
| 304847749 | B |  | A | B | A |  | A | A |  |
| 304849060 | C |  | A | C | A |  | A | A |  |
| 304867459 | C |  | A | C | A |  | A | A |  |
| 304869323 | C |  | A | C | A |  | A | A |  |
| 304869325 | A |  | A | A | A |  | A | A |  |
| 304869280 | C |  | A | C | A |  | A | A |  |
| 304889858 | C |  | A | C | A |  | A | A |  |
| 304889803 | C |  | A | C | A |  | A | A |  |
| 304889870 | C |  | A | C | A |  | A | A |  |
| 304844500 | C |  | A | C | B |  | A | B |  |
| 304844499 | C |  | A | C | B |  | A | B |  |
| 304867393 | C |  | A | C | B |  | A | B |  |
| 304869273 | A |  | A | A | A |  | A | A |  |
| 304869302 | A |  | A | A | A |  | A | A |  |
| 304867375 | C |  | A | C | A |  | A | A |  |
| 304849166 | C |  | A | C | A |  | A | A |  |
| 304869266 | C |  | A | C | A |  | A | A |  |
| 304889857 | C |  | A | C | A |  | A | A |  |
| 304889863 | A |  | A | A | A |  | A | A |  |
| 304889847 | C |  | A | C | A |  | A | A |  |
| 304867409 | C |  | A | C | A |  | A | A |  |
| 304869289 | C |  | A | C | A |  | A | A |  |
| 304889821 | C |  | A | C | A |  | A | A |  |
| 304889893 | A |  | A | A | A |  | A | A |  |
| 304849145 | A |  | A | A | A |  | A | A |  |
| 304867448 | C |  | A | C | A |  | A | A |  |
| 304844485 | D |  | A | D | B |  | A | B |  |
| 304889813 | A |  | A | A | A |  | A | A |  |
| 304889840 | A |  | A | A | A |  | A | A |  |
| 304899100 | A |  | A | A | A |  | A | A |  |
| 304899097 | C |  | A | C | B |  | A | B |  |
| 304867392 | A |  | A | A | A |  | A | A |  |
| 304889933 | C |  | A | C | A |  | A | A |  |
| 304889788 | B |  | A | B | A |  | A | A |  |
| 304869306 | C |  | A | C | A |  | A | A |  |
| 304849203 | A |  | A | A | A |  | A | A |  |
| 304867369 | A |  | A | A | A |  | A | A |  |
| 304867401 | A |  | A | A | A |  | A | A |  |
| 304889859 | C |  | A | C | B |  | A | B |  |
| 304889801 | C |  | A | C | A |  | A | A |  |
| 304899072 | C |  | A | C | A |  | A | A |  |
| 304899089 | A |  | A | A | A |  | A | A |  |
| 304899053 | A |  | A | A | A |  | A | A |  |
| 304899039 | C |  | A | C | A |  | A | A |  |
| 304889849 | A |  | A | A | A |  | A | A |  |
| 304899096 | A |  | A | A | A |  | A | A |  |
| 304899033 | A |  | A | A | A |  | A | A |  |
| 304899035 | A |  | A | A | A |  | A | A |  |
| 304889862 | A |  | A | A | A |  | A | A |  |
| 304899010 | A |  | A | A | A |  | A | A |  |
| 304869331 | A |  | A | A | A |  | A | A |  |
| 304867450 | A |  | A | A | A |  | A | A |  |
| 304889919 | A |  | A | A | A |  | A | A |  |
| 304849153 | A |  | A | A | A |  | A | A |  |
| 304899085 | C |  | A | C | B |  | A | B |  |
| 304899055 | A |  | A | A | A |  | A | A |  |
| 304899043 | C |  | A | C | B |  | A | B |  |
| 304889820 | C |  | A | C | A |  | A | A |  |
| 304899069 | C |  | A | C | A |  | A | A |  |
| 304899045 | C |  | A | C | A |  | A | A |  |
| 304898993 | A |  | A | A | A |  | A | A |  |
| 304889861 | C |  | A | C | B |  | A | B |  |
| 304899080 | C |  | A | C | B |  | A | B |  |
| 304889853 | C |  | A | C | A |  | A | A |  |
| 304889882 | A |  | A | A | A |  | A | A |  |
| 304867402 | A |  | A | A | A |  | A | A |  |
| 304899046 | C |  | D | D | A |  | A | A |  |
| 304889895 | C |  | A | C | B |  | A | B |  |
| 304898997 | A |  | A | A | A |  | A | A |  |
| 304889823 | A |  | A | A | A |  | A | A |  |
| 304899124 | A |  | A | A | A |  | A | A |  |
| 304899042 | C |  | A | C | A |  | A | A |  |
| 304899126 | C |  | A | C | A |  | A | A |  |
| 304847740 | C |  | A | C | A |  | A | A |  |
| 304899036 | C |  | A | C | A |  | A | A |  |
| 304899081 | A |  | A | A | A |  | A | A |  |
| 304889850 | A |  | A | A | A |  | A | A |  |
| 304889778 | C |  | A | C | A |  | A | A |  |
| 304867475 | C |  | A | C | A |  | A | A |  |
| 304869337 | A |  | A | A | A |  | A | A |  |
| 304867470 | C |  | A | C | A |  | A | A |  |
| 304867467 | A |  | A | A | A |  | A | A |  |
| 304899067 | C |  | A | C | B |  | A | B |  |
| 304889871 | A |  | A | A | A |  | A | A |  |
| 304899115 | A |  | A | A | A |  | A | A |  |
| 304899004 | A |  | A | A | A |  | A | A |  |
| 304899054 | C |  | A | C | B |  | A | B |  |
| 304889807 | A |  | A | A | A |  | A | A |  |
| 304898947 | C |  | A | C | A |  | A | A |  |
| 304898944 | C |  | A | C | A |  | A | A |  |
| 304889860 | A |  | A | A | A |  | A | A |  |
| 304899125 | C |  | A | C | A |  | A | A |  |
| 304889816 | A |  | A | A | A |  | A | A |  |
| 304899102 | C |  | A | C | A |  | A | A |  |
| 304889791 | A |  | A | A | A |  | A | A |  |
| 304899002 | A |  | A | A | A |  | A | A |  |
| 304867358 | A |  | A | A | A |  | A | A |  |
| 304869278 | C |  | A | C | A |  | A | A |  |
| 304899003 | A |  | A | A | A |  | A | A |  |
| 304898981 | A |  | A | A | A |  | A | A |  |
| 304867431 | A |  | A | A | A |  | A | A |  |
| 304899012 | A |  | A | A | A |  | A | A |  |
| 304765291 | C | B | A | C | B | B | A | B |  |
| 304819236 | C | C | D | D | A | B | A | B |  |
| 304840845 | C | C | A | C | A | A | A | A |  |
| 304848142 | C | B | A | C | A | A | A | A |  |
| 304843287 | C | C | A | C | A | B | A | B |  |
| 304847824 | C | C | A | C | A | A | A | A |  |
| 304840495 | C | C | A | C | A | A | A | A |  |
| 304846847 | C | B | A | C | A | B | A | B |  |
| 304858908 | C | C | A | C | A | A | A | A |  |
| 304821099 | C | C | A | C | A | A | A | A |  |
| 304840477 | C | B | A | C | A | A | A | A |  |
| 304876395 | C | C | A | C | A | A | A | A |  |
| 304843362 | C | C | A | C | A | A | A | A |  |
| 304877911 | C | C | A | C | A | A | A | A |  |
| 304870058 | C | C | A | C | A | B | A | B |  |
| 304846267 | C | B | A | C | A | A | A | A |  |
| 304858938 | C | B | A | C | A | A | A | A |  |
| 304874854 | A | A | A | A | A | A | A | A |  |
| 304889654 | C | C | A | C | A | A | A | A |  |
| 304877409 | C | A | A | C | A | A | A | A |  |
| 304874082 | C | A | A | C | A | A | A | A |  |
| 304873971 | C | C | A | C | A | A | A | A |  |
| 304896342 | C | A | A | C | A | A | A | A |  |
| 304896773 | C | B | A | C | A | A | A | A |  |
| 304672298 | C |  | A | C | A |  | A | A |  |
| 304833245 | C | A | A | C | A | A | A | A |  |
| 304823036 | C | A | A | C | A | A | A | A |  |
| 304848554 | C |  | A | C | A |  | A | A |  |
| 304848488 | C |  | A | C | A |  | A | A |  |
| 304848549 | A |  | A | A | A |  | A | A |  |
| 304844622 | C D | A | A | C D | A | A | A | A |  |
| 304869151 | C | A | A | C | B | A | A | B |  |
| 304858426 | C | A | A | C | A | A | A | A |  |
| 304868136 | C | A | A | C | A | A | A | A |  |
| 304848576 | C | B | A | C | A | B | A | B |  |
| 304849047 | C D | A | A | C D | A | A | A | A |  |
| 304872565 | C | A | A | C | A | A | A | A |  |
| 304873842 | C | A | A | C | A | A | A | A |  |
| 304868802 | A | A | A | A | A | A | A | A |  |
| 304869474 | A | A | A | A | A | A | A | A |  |
| 304850794 | A | B | A | B | A | B | A | B |  |
| 304868225 | A | A | A | A | A | A | A | A |  |
| 304849000 | C D | A | A | C D | A | A | A | A |  |
| 304858349 | A | A | A | A | A | A | A | A |  |
| 304875232 | C | A | A | C | A | A | A | A |  |
| 304856337 | C | B | A | C | A | B | A | B |  |
| 304860627 | A | A | A | A | A | A | A | A |  |
| 304736721 | C | A | A | C | A | A | A | A |  |
| 304894589 | A | A | A | A | A | A | A | A |  |
| 304893527 | A | A | A | A | A | A | A | A |  |
| 304899221 | A | A | A | A | A | A | A | A |  |
| 304865504 | B | A | A | B | A | A | A | A |  |
| 304865473 | C | C | A | C | A | A | A | A |  |
| 304865476 | C | A | A | C | B | A | A | B |  |
| 304865471 | C | C | A | C | A | A | A | A |  |
| 304865518 | D | B | A | D | B | A | A | B |  |
| 304865509 | C D | A | A | C D | A | A | A | A |  |
| 304865510 | C D | A | A | C D | A | A | A | A |  |
| 304865520 | C | C | A | C | B | B | A | B |  |
| 304865513 | C | C | A | C | B | B | A | B |  |
| 304865475 | C | C | A | C | B | A | A | B |  |
| 304865481 | A | A | A | A | A | A | A | A |  |
| 304865886 | C | C | A | C | A | A | A | A |  |
| 304868694 | A | A | A | A | A | A | A | A |  |
| 304865754 | A | A | A | A | A | A | A | A |  |
| 304865645 | A | B | A | B | A | A | A | A |  |
| 304865664 | A | A | A | A | A | A | A | A |  |
| 304865561 | C | A | A | C | A | A | A | A |  |
| 304866038 | B | A | A | B | B | A | A | B |  |
| 304866497 | A | C | A | C | A | A | A | A |  |
| 304865996 | C | C | A | C | B | A | A | B |  |
| 304866071 | A | A | A | A | A | A | A | A |  |
| 304865893 | A | C | A | C | A | A | A | A |  |
| 304866033 | C | A | A | C | A | A | A | A |  |
| 304865905 | A | A | A | A | A | A | A | A |  |
| 304866470 | A | A | A | A | A | A | A | A |  |
| 304866460 | A | A | A | A | A | A | A | A |  |
| 304866393 | A | A | A | A | A | A | A | A |  |
| 304866332 | B | A | A | B | B | A | A | B |  |
| 304866098 | A | A | A | A | A | A | A | A |  |
| 304866258 | C | A | A | C | A | A | A | A |  |
| 304866199 | B | C | A | C | B | A | A | B |  |
| 304866131 | C | C | A | C | A | A | A | A |  |
| 304866085 | A | A | A | A | A | A | A | A |  |
| 304866202 | B | A | A | B | B | A | A | B |  |
| 304866490 | B | A | A | B | B | A | A | B |  |
| 304865734 | A | C | A | C | A | B | A | B |  |
| 304866511 | A | A | A | A | A | A | A | A |  |
| 304865908 | B | A | A | B | B | A | A | B |  |
| 304866100 | A |  | A | A | A |  | A | A |  |
| 304866509 | A |  | A | A | A |  | A | A |  |
| 304866506 | A |  | A | A | A |  | A | A |  |
| 304866507 | C |  | A | C | A |  | A | A |  |
| 304866508 | A |  | A | A | A |  | A | A |  |
| 304868752 | A |  | A | A | A |  | A | A |  |
| 304868739 | C |  | A | C | A |  | A | A |  |
| 304868711 | D |  | A | D | A |  | A | A |  |
| 304868709 | A |  | A | A | A |  | A | A |  |
| 304868685 | B |  | A | B | B |  | A | B |  |
| 304868684 | A |  | A | A | A |  | A | A |  |
| 304865552 | A |  | A | A | A |  | A | A |  |
| 304865937 | A |  | A | A | A |  | A | A |  |
| 304868665 | A |  | A | A | A |  | A | A |  |
| 304868670 | C |  | A | C | A |  | A | A |  |
| 304865574 | C D |  | A | C D | A |  | A | A |  |
| 304865785 | B |  | A | B | B |  | A | B |  |
| 304865845 | A |  | A | A | A |  | A | A |  |
| 304868693 | A |  | A | A | A |  | A | A |  |
| 304868701 | C |  | A | C | A |  | A | A |  |
| 304868716 | C |  | A | C | A |  | A | A |  |
| 304868727 | C |  | A | C | B |  | A | B |  |
| 304868725 | A |  | A | A | A |  | A | A |  |
| 304868714 | D |  | A | D | A |  | A | A |  |
| 304868720 | C |  | A | C | B |  | A | B |  |
| 304868681 | A |  | A | A | A |  | A | A |  |
| 304889819 | C |  | A | C | A |  | A | A |  |
| 304889591 | A | A | A | A | A | A | A | A |  |
| 304875805 | A | B | A | B | A | A | A | A |  |
| 304893197 | A | B | A | B | A | A | A | A |  |
| 304902647 | C | C | A | C | A | A | A | A |  |
| 304875740 | A | B | A | B | A | A | A | A |  |
| 304859677 | A | A | A | A | A | A | A | A |  |
| 304893284 | A | A | A | A | A | A | A | A |  |
| 304893089 | C |  | A | C | A |  | A | A |  |
| 304871702 | C |  | A | C | A |  | A | A |  |
| 304902657 | A |  | C | C | A |  | A | A |  |

---

## Exhibit 99.5

[j.p. morgan acceptance corporation ii abs-15G](jpmmt-abs15g.htm)

**Exhibit 99.5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| 304035527 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304242421 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.30 |
| 304319976 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.90 |
| 304314368 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.90 |
| 304335456 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304402736 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304420777 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304440053 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| 304436479 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.040% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| 304423545 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.260% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304397826 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.450% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304471392 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304471386 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304637213 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304640466 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304643474 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304641278 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.630% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| 304494451 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304643530 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.980% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635795 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304680597 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304692232 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.60 |
| 304720421 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304681521 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304695674 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304695744 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304706993 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304726658 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304405506 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304705787 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.980% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304708800 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 27.130% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304734210 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304682638 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304692153 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304736333 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.660% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.30 |
| 304732126 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| 304759938 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.00 |
| 304750447 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304705576 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.040% |  |  | Desk Review |  |  | xxxx |  |  | 3.040% |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304760390 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304754651 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304749739 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304760513 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304750090 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| 304766837 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.70 |
| 304760514 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304721809 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304764444 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.40 |
| 304750489 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.50 |
| 304693238 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.290% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304734644 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304760517 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.40 |
| 304764429 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304751879 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304768003 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.500% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -1.500% |  |  |  |  |  |  |  |  | N/A |  |  |
| 304759909 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304732700 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 304755101 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.110% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| 304765862 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304763249 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304769730 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304707110 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304764094 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304749738 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304765349 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.70 |
| 304756875 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 304811434 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.50 |
| 304756784 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |  |
| 304764442 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.570% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -3.570% |  |  |  |  |  |  |  |  | No |  |  |
| 304776870 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304682535 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304693248 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.170% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304681523 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304708951 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750234 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304789535 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304769633 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 304750020 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304789533 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304768650 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.680% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304813334 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.140% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304758773 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304817852 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304817855 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.10 |
| 304777341 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.730% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.40 |
| 304768851 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304818381 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304729314 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| 304818380 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304823336 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| 304768570 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304813330 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304777835 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304819348 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304827717 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.30 |
| 304756708 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.750% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304827062 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.500% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.60 |
| 304822903 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304825295 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304833308 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304749954 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304833302 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304828411 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.70 |
| 304823320 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.60 |
| 304819350 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304769950 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.320% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304769973 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750233 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304827680 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304756868 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304765325 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.370% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.90 |
| 304840911 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.10 |
| 304823106 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304825141 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304840921 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304825582 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304823436 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304839685 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 304842860 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.10 |
| 304825140 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304826948 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304825116 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.40 |
| 304844621 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.40 |
| 304846385 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.20 |
| 304846308 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304839035 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.50 |
| 304848641 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304818321 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304828115 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.610% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304846884 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.530% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 304833304 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.00 |
| 304822855 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.710% |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -7.710% |  |  |  |  |  |  |  |  | No | 3.50 | 4.00 |
| 304846997 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304840223 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.50 |
| 304769731 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304846998 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.80 |
| 304843025 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.60 |
| 304848984 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304860681 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| 304847537 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304780015 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 304840839 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304825097 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.00 |
| 304861600 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.30 |
| 304844612 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304865426 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304840462 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 304874062 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304874053 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304874014 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304874065 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
| 304874050 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| 304874016 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304874015 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304874052 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304874037 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 304874034 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.70 |
| 304874046 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304874024 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 304874058 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304874027 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 304874019 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304874047 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304865220 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.40 |
| 304849031 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304826966 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| 304858928 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.40 |
| 304833276 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.50 |
| 304842858 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| 304848115 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.460% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304867864 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304854949 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.180% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304821122 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| 304846313 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.00 |
| 304849326 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304857397 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304868295 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.20 |
| 304845380 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 304840505 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304865135 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304865049 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304846895 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| 304870004 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304860689 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304868291 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.10 |
| 304840875 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304860691 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 304865422 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| 304870030 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304868117 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.10 |
| 304845364 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| 304823173 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.60 |
| 304871988 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304840878 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304849019 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.10 |
| 304874780 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304865206 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
| 304872019 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304869349 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.30 |
| 304869181 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.70 |
| 304869183 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304758973 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304874524 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 304860235 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304871508 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304873089 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.30 |
| 304856473 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304874816 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.960% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.60 |
| 304858949 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304873555 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304875152 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304871990 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.60 |
| 304874410 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304858895 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304871977 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.40 |
| 304871454 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304876008 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| 304865134 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.190% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304849333 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304870077 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304877944 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 304873560 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| 304876009 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304888290 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| 304871989 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304875150 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304858896 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304758483 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304871448 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304867861 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.10 |
| 304874406 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304874333 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304868286 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.880% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304858946 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| 304871972 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| 304887764 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304887768 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304860659 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304871518 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304873993 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.70 |
| 304877939 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 304873977 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| 304869255 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| 304842871 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.60 |
| 304875159 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| 304874779 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304848287 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304876089 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304875129 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 |
| 304861536 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304887766 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 304892078 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| 304878901 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304870007 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.20 |
| 304877927 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304891149 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304876092 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304876101 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304875161 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| 304874778 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304877943 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| 304874107 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304874343 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304876025 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 |
| 304874306 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304875642 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304840537 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304840556 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304840701 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| 304813428 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| 304879041 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304874777 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.950% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.60 |
| 304869348 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.20 |
| 304876007 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.00 |
| 304871443 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304894690 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.770% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304861544 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.700% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304875932 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.480% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -9.480% |  |  |  |  |  |  |  |  | N/A |  |  |
| 304896418 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.70 |
| 304876541 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.650% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| 304856876 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| 304894304 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.30 |
| 304889374 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844516 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867479 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849173 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849225 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849204 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844394 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844480 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.600% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844445 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867422 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867370 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849081 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849181 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304869333 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849075 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849113 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867445 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867391 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304869267 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867465 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867437 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.310% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867439 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304869329 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867406 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849067 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304869299 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.290% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304869298 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867356 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849243 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867373 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867426 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867389 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867442 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849159 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849220 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867412 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304825005 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867381 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867380 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867403 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304869312 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849169 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867453 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867463 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849172 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304847741 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867408 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849089 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849221 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304824944 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867424 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304847681 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849053 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867483 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867484 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867429 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.340% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867385 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849196 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.890% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849124 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304869292 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867353 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867354 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849091 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304869316 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867364 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304869311 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867362 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304869324 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867405 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304869282 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867357 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867438 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.940% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849163 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867415 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304869308 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.880% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867377 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304869269 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304869285 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304869310 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304869320 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867399 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849168 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867372 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849090 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849055 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849228 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304847757 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304847696 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867387 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867386 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867382 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867367 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304869318 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867441 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867434 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844385 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304869275 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304869272 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304869328 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304869327 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304869290 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304869284 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849233 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889898 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304869296 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304869317 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849101 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.520% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867388 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304847714 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844381 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.880% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889852 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.390% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889926 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.070% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844435 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.980% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304847748 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867398 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867384 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867427 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889798 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889867 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867396 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304869309 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889790 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304899094 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889786 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304869265 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889848 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.610% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889826 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889837 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889835 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889834 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889923 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849165 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889795 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889822 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304899104 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304847755 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889856 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889843 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844467 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889851 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889784 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889842 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 6.090% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304840602 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304897210 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| 304750217 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304898957 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304898955 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304898954 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304899132 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304824962 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304824930 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889940 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889938 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889939 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889941 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889943 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889936 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867414 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867455 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867447 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849118 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304847749 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849060 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867459 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304869323 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304869325 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304869280 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889858 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.210% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889803 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889870 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844500 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844499 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867393 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.800% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304869273 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304869302 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867375 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.070% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849166 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304869266 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889857 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889863 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889847 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867409 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304869289 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889821 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889893 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849145 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867448 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844485 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889813 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889840 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304899100 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.230% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304899097 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867392 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889933 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889788 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304869306 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849203 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867369 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867401 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889859 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889801 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304899072 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304899089 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304899053 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304899039 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889849 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304899096 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304899033 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304899035 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889862 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304899010 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304869331 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867450 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889919 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849153 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304899085 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304899055 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304899043 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889820 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304899069 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304899045 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304898993 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889861 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304899080 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889853 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889882 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867402 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304899046 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889895 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304898997 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889823 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304899124 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304899042 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304899126 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304847740 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304899036 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304899081 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889850 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889778 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 5.360% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867475 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304869337 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867470 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867467 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 11.610% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304899067 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889871 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304899115 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304899004 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304899054 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889807 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304898947 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304898944 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889860 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304899125 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889816 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  | 0.000% |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304899102 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889791 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304899002 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867358 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304869278 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304899003 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304898981 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867431 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304899012 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304765291 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304819236 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304840845 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| 304848142 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| 304843287 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304847824 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304840495 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304846847 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304858908 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304821099 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.550% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304840477 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304876395 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| 304843362 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304877911 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| 304870058 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304846267 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 304858938 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 304874854 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| 304889654 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304877409 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 304874082 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304873971 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| 304896342 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304896773 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304672298 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304833245 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304823036 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| 304848554 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304848488 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304848549 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844622 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.90 |
| 304869151 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304858426 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304868136 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304848576 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849047 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304872565 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304873842 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304868802 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304869474 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
| 304850794 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304868225 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.800% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849000 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304858349 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304875232 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304856337 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304860627 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304736721 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.530% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304894589 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304893527 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304899221 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304865504 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
| 304865473 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304865476 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.60 |
| 304865471 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| 304865518 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.80 |
| 304865509 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 40.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| 304865510 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 27.270% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 5.00 |
| 304865520 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| 304865513 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 304865475 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304865481 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.30 |
| 304865886 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304868694 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.410% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 304865754 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304865645 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.730% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.30 |
| 304865664 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304865561 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| 304866038 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304866497 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 304865996 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 304866071 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304865893 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 4.20 |
| 304866033 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304865905 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 304866470 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 304866460 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| 304866393 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304866332 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.550% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.50 |
| 304866098 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304866258 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| 304866199 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| 304866131 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| 304866085 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| 304866202 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 304866490 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304865734 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304866511 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| 304865908 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| 304866100 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304866509 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| 304866506 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| 304866507 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304866508 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304868752 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304868739 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304868711 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304868709 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304868685 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304868684 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.110% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304865552 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304865937 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304868665 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.40 | 1.40 |
| 304868670 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304865574 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304865785 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| 304865845 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| 304868693 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| 304868701 |  |  |  |  |  |  | 1.630% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| 304868716 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304868727 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304868725 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| 304868714 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304868720 |  |  |  |  |  |  | -1.100% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304868681 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 304889819 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889591 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  | 1.230% |  | 0.018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.230% |  |  |  |  |  |  |  |  | N/A |  |  |
| 304875805 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304893197 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304902647 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304875740 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -0.830% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 304859677 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.40 |
| 304893284 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| 304893089 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304871702 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304902657 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |

---

## Exhibit 99.6

[j.p. morgan acceptance corporation ii abs-15G](jpmmt-abs15g.htm)

**Exhibit 99.6**

![](ex996001.jpg)

**EXECUTIVE SUMMARY**

**JPMMT 2026-NQM1**

**By Clarifii LLC on January 13, 2026**

JPMMT 2026-NQM1 Due Diligence Narrative Report – PagE \| 1

![](ex996001.jpg)

**CLARIFII CONTACT INFORMATION** 

---

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

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 17 loans (the "Loans" or the "Pool") and the Loans were subsequently acquired by JPMorgan Chase Bank, National Association (the "Client") for the JPMMT 2026-NQM1 transaction. The Loans referenced in this narrative report were reviewed in between 03/2025 to 11/2025 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

**ORIGINATORS**

Origination channels for the Loans in this review:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool (by loan count)** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;1 | &nbsp;&nbsp;5.88% | &nbsp;&nbsp;$420000.00 |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | &nbsp;&nbsp;2 | &nbsp;&nbsp;11.76% | &nbsp;&nbsp;$676600.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;14 | &nbsp;&nbsp;82.36% | &nbsp;&nbsp;$7996675.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**17** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$9093275.00** |

---

The Review consisted of a population of 17 Loans, with an aggregate principal balance of $9,093,275.00.

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

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

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

**LOAN SAMPLING**

The Client defined the sample size and requested Clarifii to perform a random sample of the Loans to be included in the Review. To Clarifii's knowledge, the Review covered 100% of the Loans within the transaction that were submitted to Clarifii for review.

JPMMT 2026-NQM1 Due Diligence Narrative Report – PagE \| 2

![](ex996001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;S&P Global Ratings | &nbsp;&nbsp; Global Methodology And Assumptions: Assessing Pools Of Residential Loans, January 25, 2019;<br> Global Methodology And Assumptions: Assessing Pools Of Residential Loans--U.S. And Canada Supplement, February 21, 2025 |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;U.S. RMBS Rating Criteria, October 1, 2025 |
| &nbsp;&nbsp;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;U.S. RMBS Rating Methodology, December 7, 2023 |
| &nbsp;&nbsp;Moody's Investors Service, Inc. | &nbsp;&nbsp;Moody's Approach to Rating US RMBS Using the MILAN Framework dated July 18, 2024 |
| &nbsp;&nbsp;DBRS, Inc. | &nbsp;&nbsp;Third-Party Due Diligence Criteria for U.S. RMBS Transactions, September 30, 2024. |

---

**DATA INTEGRITY**

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

---

| |
|:---|
| &nbsp;&nbsp;**Data Comparison Fields** |
| &nbsp;&nbsp;All Other Payments |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Amount of Other Lien |
| &nbsp;&nbsp;Application Date |
| &nbsp;&nbsp;Balloon Flag |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? |
| &nbsp;&nbsp;Borrower 1 Birthdate |
| &nbsp;&nbsp;Borrower 1 Citizen |
| &nbsp;&nbsp;Borrower 1 Country Name |
| &nbsp;&nbsp;Borrower 1 Credit Report Date |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? |
| &nbsp;&nbsp;Borrower 1 Email or Internet |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information |

---

JPMMT 2026-NQM1 Due Diligence Narrative Report – PagE \| 3

![](ex996001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? |
| &nbsp;&nbsp;Borrower 1 FTHB |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 Marital Status |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation |
| &nbsp;&nbsp;Borrower 1 Phone Number |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Race - White |
| &nbsp;&nbsp;Borrower 1 Rent or Own |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Sex - Male |
| &nbsp;&nbsp;Borrower 1 SSN |
| &nbsp;&nbsp;Borrower 1 Telephone Interview |
| &nbsp;&nbsp;Borrower 1 Years in Current Home |
| &nbsp;&nbsp;Borrower 2 Birthdate |
| &nbsp;&nbsp;Borrower 2 Citizen |
| &nbsp;&nbsp;Borrower 2 Do you intend to occupy property as primary residence? |
| &nbsp;&nbsp;Borrower 2 Employer 1 Position |
| &nbsp;&nbsp;Borrower 2 Employer 1 Years in Line of Work |
| &nbsp;&nbsp;Borrower 2 Ethnicity - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 2 Ethnicity - Not Hispanic or Latino |
| &nbsp;&nbsp;Borrower 2 Ethnicity Visual Observation or Surname |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 2 Marital Status |
| &nbsp;&nbsp;Borrower 2 Name of Employer1 |
| &nbsp;&nbsp;Borrower 2 Originator Citizenship Designation |
| &nbsp;&nbsp;Borrower 2 Race - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 2 Race - White |
| &nbsp;&nbsp;Borrower 2 Rent or Own |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 2 Sex - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 2 Sex - Male |
| &nbsp;&nbsp;Borrower 2 SSN |
| &nbsp;&nbsp;Borrower 2 Telephone Interview |
| &nbsp;&nbsp;Borrower 2 Years in Current Home |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;Cash Disbursement Date |

---

JPMMT 2026-NQM1 Due Diligence Narrative Report – PagE \| 4

![](ex996001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;HOA Flag |
| &nbsp;&nbsp;Index |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Only Term |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Amount |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Origination Company |
| &nbsp;&nbsp;Loan Origination Company NMLS |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Margin |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;MIN No |
| &nbsp;&nbsp;Negative Amortization Flag |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Note Type |
| &nbsp;&nbsp;Number of Borrowers |
| &nbsp;&nbsp;Number of Mortgaged Properties |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Origination Foreclosure Flag |
| &nbsp;&nbsp;Originator QM Status |
| &nbsp;&nbsp;Payment Frequency |
| &nbsp;&nbsp;Prepayment Penalty Flag |
| &nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property County |
| &nbsp;&nbsp;Property Rights |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Value |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying LTV |

---

JPMMT 2026-NQM1 Due Diligence Narrative Report – PagE \| 5

![](ex996001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Seller Loan ID |
| &nbsp;&nbsp;Term |
| &nbsp;&nbsp;ULI |
| &nbsp;&nbsp;Underwriting Guideline Name |

---

**CREDIT UNDERWRITING**

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

● **Loan Attributes** 

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

– Assets and Reserves

– Gross Income

– Lien Position

– Loan Purpose

– Housing History

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

– Monthly Debt

– Occupancy

– Property Type

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

– Debt to Income Ratio (DTI)

– Residual Income

– Debt Service Coverage Ratio (DSCR)

● **Credit Application** 

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

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

– Borrower(s) employment history

– Citizenship and eligibility

– First time home buyer status

– The application was signed by all borrowers

– The application was substantially complete

JPMMT 2026-NQM1 Due Diligence Narrative Report – PagE \| 6

![](ex996001.jpg)

● **Credit History** 

Clarifii verified the following items:

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

– Bankruptcy and foreclosure seasoning

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

– Installment and revolving payment history

– Mortgage/Rental payment history

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

– Number of tradelines

– Credit Score(s) and Qualifying Score Methodology

● **Employment and Income** 

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

– Tax returns

– Financial statements

Paystubs

– IRS Form W-2s

– IRS Form 1099

– IRS documents

– Bank statements

– Lease agreements

– Award letters

– Other documentation in loan file

● **Fraud Review** 

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

– Borrower identity

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Social Security inconsistencies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Borrower name variations

– Occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Borrower address history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Subject property ownership history

– Employment

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage lender/originator

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Loan officer

OFAC

JPMMT 2026-NQM1 Due Diligence Narrative Report – PagE \| 7

![](ex996001.jpg)

● **Asset Review** 

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

– Verification of deposits (VOD)

– Depository account statements

– Stock or security account statements

– Gift funds

– Settlements statements

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

– Other documentation in loan file

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

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

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

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

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

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

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

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

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

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

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

– Calculated DSCR, as required by guidelines

– Confirmed documentation requirements have been met

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

**DOCUMENT REVIEW**

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

● **Initial and Final 1003 Application** 

● **Note** 

● **Mortgage/Deed of Trust** 

● **Appraisal** 

JPMMT 2026-NQM1 Due Diligence Narrative Report – PagE \| 8

![](ex996001.jpg)

● **Sales Contract** 

● **Title Commitment/Policy** 

● **Junior Lien/Subordination Agreement** 

● **Mortgage Insurance** 

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

● **Flood Certification** 

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

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

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

**COMPLIANCE REVIEW**

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

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

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

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

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

● **Compliance Documentation Requirements** 

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

– Initial and final application (1003)

– Note, including all addendums

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

– Mortgage / Deed of Trust, including all riders

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

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

– Notice of Right to Cancel (when applicable)

– Rate Lock Date

– HOEPA Disclosures (when applicable)

– Initial Escrow Account Disclosure

JPMMT 2026-NQM1 Due Diligence Narrative Report – PagE \| 9

![](ex996001.jpg)

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

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

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

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

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

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

**Right of Rescission** 

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

**Qualified Mortgage and Ability to Repay**

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

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

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

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

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

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

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

JPMMT 2026-NQM1 Due Diligence Narrative Report – PagE \| 10

![](ex996001.jpg)

**Miscellaneous Compliance Testing**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

● **Business Purpose Loan Compliance Review** 

– Non-Owner Occupied Declaration Disclosure

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

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

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

– Review Note accuracy and properly executed

– Review Mortgage and applicable riders for accuracy and properly executed

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

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

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

– Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

– Letter of Explanation detailing the use of proceeds.

– Borrower's statement of purpose for the loan.

– State License requirements when applicable

– State Predatory lending and high cost when applicable

**QUALIFIED MORTGAGE (QM)**

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

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

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

**ABILITY TO REPAY (ATR)**

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

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

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

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

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

**VALUATION REVIEW**

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

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

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

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

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

**INDEPENDENT THIRD-PARTY VALUES**

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

**Valuation Reconciliation Process:**

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

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

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

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

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

**VALUATION RESULTS SUMMARY**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files – No Hit** | &nbsp;&nbsp;**# of Files > -10% Variance to OA or Confidence < 80%** | &nbsp;&nbsp;**Number of Files within -10% of OA or Acceptable UCDP Risk Score** |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;LCA or CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Field Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 |

---

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**DUE DILIGENCE GRADING CRITERIA** 

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

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

**Final Event Grade**

---

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

---

**Credit Event Grade**

---

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

---

**Valuation Event Grade**

---

| | |
|:---|:---|
| **A** | The value is supported within 10% of the original appraisal by supporting documents (CDA, Field Review or Second Appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used Government-Sponsored Enterprise (GSE) approved forms. |
| **B** | The value is not supported within 10% of the original appraisal by supporting documents and there are no other valuation support documents provided. The valuation methodology substantially meets the published guidelines, but reasonable compensating factors were considered and documented for exceeding guidelines. The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms. |

---

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**C** The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition, or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms.

**D** The file was missing the appraisal or there was not sufficient valuation documentation to perform a review.

**Compliance Event Grade** 

---

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

---

**CLARIFII DUE DILIGENCE RESULTS**

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

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Overall Review Results** | &nbsp;&nbsp;**Final Overall Review Results** | &nbsp;&nbsp;**Final Overall Review Results** |
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;7 | &nbsp;&nbsp;41.18% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;10 | &nbsp;&nbsp;58.82% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**17** | &nbsp;&nbsp;**100.00%** |

---

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.

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**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;7 | &nbsp;&nbsp;41.18% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;10 | &nbsp;&nbsp;58.82% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**17** | &nbsp;&nbsp;**100.00%** |

---

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**17** | &nbsp;&nbsp;**100.00%** |

---

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**17** | &nbsp;&nbsp;**100.00%** |

---

**ADDITIONAL LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool (by loan count)** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;1 | &nbsp;&nbsp;5.88% | &nbsp;&nbsp;$401250.00 |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;16 | &nbsp;&nbsp;94.12% | &nbsp;&nbsp;$8692025.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**17** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$9093275.00** |

---

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**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool (by loan count)** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;4 | &nbsp;&nbsp;23.53% | &nbsp;&nbsp;$2215525.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;1 | &nbsp;&nbsp;5.88% | &nbsp;&nbsp;$580000.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;12 | &nbsp;&nbsp;70.59% | &nbsp;&nbsp;$6297750.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**17** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$9093275.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool (by loan count)** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;8 | &nbsp;&nbsp;47.06% | &nbsp;&nbsp;$3202200.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;9 | &nbsp;&nbsp;52.94% | &nbsp;&nbsp;$5891075.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**17** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$9093275.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool (by loan count)** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$9093275.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**17** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$9093275.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool (by loan count)** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$9093275.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**17** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$9093275.00** |

---

**DATA COMPARE RESULTS**

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

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**Summary of Data Compare Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Data Comparison Fields** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;All Other Payments | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Amount of Other Lien | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Country Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Credit Report Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Email or Internet | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Marital Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Phone Number | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - White | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Rent or Own | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - Male | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Telephone Interview | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Years in Current Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |

---

JPMMT 2026-NQM1 Due Diligence Narrative Report – PagE \| 20

![](ex996001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 2 Do you intend to occupy property as primary residence? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Employer 1 Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Employer 1 Years in Line of Work | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity - Not Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity Visual Observation or Surname | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Marital Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Name of Employer1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Originator Citizenship Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Race - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Race - White | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Rent or Own | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Sex - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Sex - Male | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Telephone Interview | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Years in Current Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;5 | &nbsp;&nbsp;16 | &nbsp;&nbsp;68.75% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;5 | &nbsp;&nbsp;14 | &nbsp;&nbsp;64.29% |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;HOA Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;12 | &nbsp;&nbsp;91.67% |
| &nbsp;&nbsp;Index | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company NMLS | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |

---

JPMMT 2026-NQM1 Due Diligence Narrative Report – PagE \| 21

![](ex996001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;9 | &nbsp;&nbsp;13 | &nbsp;&nbsp;30.77% |
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Borrowers | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Mortgaged Properties | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Origination Foreclosure Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator QM Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Payment Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;12 | &nbsp;&nbsp;91.67% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;14 | &nbsp;&nbsp;92.86% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Rights | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;8 | &nbsp;&nbsp;17 | &nbsp;&nbsp;52.94% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;2 | &nbsp;&nbsp;17 | &nbsp;&nbsp;88.24% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;3 | &nbsp;&nbsp;14 | &nbsp;&nbsp;78.57% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Seller Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Underwriting Guideline Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |

---

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

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

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

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

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

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

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

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

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

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

JPMMT 2026-NQM1 Due Diligence Narrative Report – PagE \| 22

![](ex996001.jpg)

**Disclaimer**

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

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

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

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

*The Company does not provide investment, legal, or tax advice, and the Reports may not be construed as such. Reports are issued for the benefit of the entity requesting the Report, only, and may not be used by third parties without the express written consent of the Company and the requesting party. Reports are based on available information and current regulations as of the date of the Report, and the Company disclaims any obligation to update Reports due to a change of fact of regulation which occurs after the date of issuance.*© 2026 Clarifii LLC. All rights reserved.

JPMMT 2026-NQM1 Due Diligence Narrative Report – PagE \| 23

## Exhibit 99.7

[j.p. morgan acceptance corporation ii abs-15G](jpmmt-abs15g.htm)

**Exhibit 99.7**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | XXXX | 304686374 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304686374 | XXXX | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Per appraisal |
| XXXX | XXXX | 304686360 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304686360 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | Per Appraisal |
| XXXX | XXXX | 304702244 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | Per appraisal |
| XXXX | XXXX | 304702244 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 304702244 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.229 | 1.27 | Variance due to Audit using mgmt. fee |
| XXXX | XXXX | 304702226 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| XXXX | XXXX | 304702226 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | Per Appraisal |
| XXXX | XXXX | 304713612 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 304713612 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per cd |
| XXXX | XXXX | 304728200 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 304728200 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per CD |
| XXXX | XXXX | 304728200 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | Per appraisal |
| XXXX | XXXX | 304736082 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 304736060 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304736060 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | Per Appraisal |
| XXXX | XXXX | 304736060 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.447 | 1.438 | lower of market rent or lease/PITIA; lender calculation not provided |
| XXXX | XXXX | 304736060 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 350.56 | DSCR Loan |
| XXXX | XXXX | 304736101 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304736101 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| XXXX | XXXX | 304736101 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | Per Appraisal |
| XXXX | XXXX | 304736101 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 433.92 | DSCR loan |
| XXXX | XXXX | 304778035 | XXXX | All Other Payments | creditLiabilitiesPage | 9309 | 8000 | per 1008 and audit review match |
| XXXX | XXXX | 304778035 | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 4 | 1 | per 1003 and credit report |
| XXXX | XXXX | 304754707 | XXXX | Prepayment Penalty Flag | notePage | N | Y | PPP was removed as per lender waiver |
| XXXX | XXXX | 304754707 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 304754707 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | per Appraisal |
| XXXX | XXXX | 304754707 | XXXX | HOA Flag | propertyValuationPage | No | Y | per appraisal |
| XXXX | XXXX | 304754707 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.103 | 1.47 | Audit DSCR calc matches lenders per worksheet |
| XXXX | XXXX | 304817010 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 304817010 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | From appraisal report |
| XXXX | XXXX | 304866871 | XXXX | Property Zip Code | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304866871 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.103 | 1.05 | market rent/PITIA; Lender DSCR calculation not provided |
| XXXX | XXXX | 304866875 | XXXX | Property Zip Code | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 304866875 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.59 | 36.38 | Audit calculated lower income |
| XXXX | XXXX | 304827524 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.606 | 1.6647 | Leases/PITIA, Lender DSCR worksheet not provided |

---

## Exhibit 99.8

[j.p. morgan acceptance corporation ii abs-15G](jpmmt-abs15g.htm)

**Exhibit 99.8**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| XXXX | XXXX | 304686374 D A C | Closed | FPRO1253 | 2025-03-26 16:58 | 2025-04-30 15:07 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received Desk Review supporting the appraised value. - Due Diligence Vendor-04/30/2025 <br> Ready for Review-Document Uploaded. Please see attached Desk Review which supports the appraised value. - Seller-04/28/2025 <br> Counter-Value is not the only factor with an AVM, they must meet the score requirements too, or another product is required. - Due Diligence Vendor-04/25/2025 <br> Ready for Review-desk review shoudl not be required as avm value is > than the appraisal value. - Seller-04/24/2025 <br> Counter-The AVM does not meet the FSD Score Requirement. A desk review is required. - Due Diligence Vendor-03/31/2025 <br> Ready for Review-Per guidelines, section 10.1.5 Appraisal Review Product 1-4 Residential Property…"If the AVM or enhanced desk review reflects a value more than 10% below the appraised value or cannot provide a validation, the file must include either a field review or a second appraisals. ….AVM must include an FSD score within 90%." The subject property appraised value was XXXX. The AVM estimate was XXXX, a value higher than the appraised value. As such, the confidence score was not a factor for the final value of the property. - Seller-03/27/2025 <br> Open-\*New\* AVM provided has a confidence score of 76 which is < the minimum 90% minimum allowed. - Due Diligence Vendor-03/26/2025 | Ready for Review-Document Uploaded. Please see attached Desk Review which supports the appraised value. - Seller-04/28/2025 <br> Ready for Review-desk review shoudl not be required as avm value is > than the appraisal value. - Seller-04/24/2025 <br> Ready for Review-Per guidelines, section 10.1.5 Appraisal Review Product 1-4 Residential Property…"If the AVM or enhanced desk review reflects a value more than 10% below the appraised value or cannot provide a validation, the file must include either a field review or a second appraisals. ….AVM must include an FSD score within 90%." The subject property appraised value was XXXX. The AVM estimate was XXXX, a value higher than the appraised value. As such, the confidence score was not a factor for the final value of the property. - Seller-03/27/2025 | Resolved-Received Desk Review supporting the appraised value. - Due Diligence Vendor-04/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 697 and minimum allowed is 660.<br>Qualifying DTI below maximum allowed - DTI is 26.43% and max allowed is 50% |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3703580 |
| XXXX | XXXX | 304686374 D A C | Closed | FCRE1505 | 2025-03-21 13:41 | 2025-03-26 16:52 | Resolved | 1 - Information C A | Credit | Eligibility | Tradelines do not meet Guideline Requirements | Resolved-Received Credit Supplement for XXXX. - Due Diligence Vendor-03/26/2025 <br> Ready for Review-Document Uploaded. Please see attached Credit Supplement for acct #XXXX XXXX. - Seller-03/24/2025 <br> Open-The Tradelines for the borrower(s) do not meet the guideline requirements. Missing credit supplement to support additional liability for acct #XXXX XXXX . Due to borrower has only 2 credit scores and additional tradeline is required. - Due Diligence Vendor-03/21/2025 | Ready for Review-Document Uploaded. Please see attached Credit Supplement for acct# XXXX XXXX. - Seller-03/24/2025 | Resolved-Received Credit Supplement for XXXX. - Due Diligence Vendor-03/26/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 697 and minimum allowed is 660.<br>Qualifying DTI below maximum allowed - DTI is 26.43% and max allowed is 50% |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3670171 |
| XXXX | XXXX | 304686360 D B A | Closed | FCOM1351 | 2025-04-19 11:08 | 2025-12-22 10:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Upon further review, the loan file contained all required vested entity documentation. - Due Diligence Vendor-04/23/2025 <br>Ready for Review-Document Uploaded. Please note GoDocs only provide the Loan Agreement instead of the Guaranty Agreement. Please see attached - Seller-04/22/2025 <br>Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. Missing Guaranty Agreement. - Due Diligence Vendor-04/19/2025 | Ready for Review-Document Uploaded. Please note GoDocs only provide the Loan Agreement instead of the Guaranty Agreement. Please see attached - Seller-04/22/2025<br>| Resolved-Upon further review, the loan file contained all required vested entity documentation. - Due Diligence Vendor-04/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Fico is 721. 660 required.<br>Months Reserves exceed minimum required - 11.43 mths reserves; 6 mths required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3908645 |
| XXXX | XXXX | 304686360 D B A | Closed | FCRE0970 | 2025-04-19 16:54 | 2025-04-21 09:25 | Waived | 2 - Non-Material C B | Credit | Eligibility | Appraisal has issues (credit) | Waived-Originator exception granted and in file, waiver applied with comp factors. (Non Mat-Lender approved exception with comp factors) - Due Diligence Vendor-04/21/2025 <br>Open-Vacant Unit(s) – Use 75% of market rents. Seeking approval to proceed with 100% of market rent for the 1 vacant unit. - Due Diligence Vendor-04/19/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. (Non Mat-Lender approved exception with comp factors) - Due Diligence Vendor-04/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Fico is 721. 660 required.<br>Months Reserves exceed minimum required - 11.43 mths reserves; 6 mths required. | 1. FICO 20+ points above min. 2. LTV 5% below max. 3. 0x30 mortgage history 24+ months |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 3909283 |
| XXXX | XXXX | 304702244 C B A | Closed | FPRO1144 | 2025-04-30 13:43 | 2025-08-28 17:02 | Resolved | 1 - Information C A | Property | Appraisal | 1004D Completion Report is not on an as-is basis | Resolved-Photo of unit 202 Smoke/CO detection provided. Pictures of the three bedrooms for XXXX are present. Appraiser addressed deferred maintenance - Due Diligence Vendor-08/28/2025 <br> Ready for Review-Document Uploaded. Please refer to page 22 through 24 of appraisal report showing pictures of all units w/ smoke detectors. Each unit has a smoke detector. Appraisal is made as is and is not subject to smoke detectors health/safety concerns. XXXX specifically shows installed smoke detector. Please also refer to page 38 of report stating smoke and CO detectors were observed - Seller-08/26/2025 <br> Counter-Appraiser states the missing Smoke Detector is a Health and Safety issue. All other cosmetic issues are minimal. - Due Diligence Vendor-07/28/2025 <br> Ready for Review-Document Uploaded. Do not agree appraisal was not subject to these items repair and page 41 of the appraisal states does not have any effect on marketability and poses no health and safety concern or issues minimal repair at 1000 cost to cure, . BPO completed supports no repairs required (uploaded) - Seller-07/24/2025 <br> Open-Missing 1004D showing the following healthy and safety items noted by the appraiser and room not inspected are completed.: (1) XXXX door have had their chipping/peeling paint repaired (2) exterior wall damaged siding is repaired (3) Unit 202 locked bedroom that was not inspected has been inspected and shows no issues (4) XXXX missing smoke/CO detector has been installed (5) Additional findings may apply. - Due Diligence Vendor-04/30/2025 | Ready for Review-Document Uploaded. Please refer to page 22 through 24 of appraisal report showing pictures of all units w/ smoke detectors. Each unit has a smoke detector. Appraisal is made as is and is not subject to smoke detectors health/safety concerns. Unit XXXX specifically shows installed smoke detector. Please also refer to page 38 of report stating smoke and CO detectors were observed - Seller-08/26/2025 <br> Ready for Review-Document Uploaded. Do not agree appraisal was not subject to these items repair and page 41 of the appraisal states does not have any effect on marketability and poses no health and safety concern or issues minimal repair at 1000 cost to cure, . BPO completed supports no repairs required (uploaded) - Seller-07/24/2025 | Resolved-Photo of unit 202 Smoke/CO detection provided. Pictures of the three bedrooms for XXXX are present. Appraiser addressed deferred maintenance - Due Diligence Vendor-08/28/2025 | Months Reserves exceed minimum required - Qualifying reserves 15 months; minimum required 6 months<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 801; minimum required 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4007001 |
| XXXX | XXXX | 304702244 C B A | Closed | FCRE0113 | 2025-04-30 13:52 | 2025-06-06 11:23 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Updated appraisal was provided. - Due Diligence Vendor-06/06/2025 <br>Ready for Review-Document Uploaded. Please see attached appraisal report and all estoppels. - Seller-06/05/2025 <br>Open-Appraiser to (1) correct actual rents to match estoppels provided (2) comment why units of same sq ft and bed/bath count yielding different level of rents (3) additional findings may apply. - Due Diligence Vendor-04/30/2025 | Ready for Review-Document Uploaded. Please see attached appraisal report and all estoppels. - Seller-06/05/2025<br>| Resolved-Updated appraisal was provided. - Due Diligence Vendor-06/06/2025<br>| Months Reserves exceed minimum required - Qualifying reserves 15 months; minimum required 6 months<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 801; minimum required 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4007174 |
| XXXX | XXXX | 304702244 C B A | Closed | FCRE0082 | 2025-04-30 14:32 | 2025-06-06 11:17 | Resolved | 1 - Information C A | Credit | Title | Vested Owner Signature Requirement Not met | Resolved-Vested Owner Signature Requirement met as the affidavit - death of joint tenant certificate for the second owner was provided. - Due Diligence Vendor-06/06/2025 <br>Ready for Review-Document Uploaded. Please see attached. death certificate for the second owner. - Seller-06/05/2025 <br>Open-Vested Owner Signature Requirement Not met. Missing evidence one of the seller's removed from title prior to closing. Title shows 2 current vested owners and purchase agreement shows only 1 seller signed the agreement. - Due Diligence Vendor-04/30/2025 | Ready for Review-Document Uploaded. Please see attached. death certificate for the second owner. - Seller-06/05/2025<br>| Resolved-Vested Owner Signature Requirement met as the affidavit - death of joint tenant certificate for the second owner was provided. - Due Diligence Vendor-06/06/2025<br>| Months Reserves exceed minimum required - Qualifying reserves 15 months; minimum required 6 months<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 801; minimum required 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4007743 |
| XXXX | XXXX | 304702244 C B A | Closed | FCRE1498 | 2025-04-30 14:38 | 2025-05-01 09:14 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower Rental Experience Insufficient per Guidelines (DSCR) | Waived-Originator exception granted and in file, waiver applied with comp factors. (Non Mat-Lender approved exception with comp factors)<br> - Due Diligence Vendor-05/01/2025 <br>Open-Borrower Rental Experience Insufficient per Guidelines (DSCR Loan Type) Multi-Unit DSCR requires the borrower to be an Experienced Investor. Borrower is First Time Investor. Exception in file. - Due Diligence Vendor-04/30/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. (Non Mat-Lender approved exception with comp factors)<br> - Due Diligence Vendor-05/01/2025<br>| Months Reserves exceed minimum required - Qualifying reserves 15 months; minimum required 6 months<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 801; minimum required 700 | - Credit score 80+ points over minimum.<br> - 0x30 mortgage history 24months<br> -3 months reserves above minimum |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 4007867 |
| XXXX | XXXX | 304702226 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 304713612 D B A | Closed | FCRE1345 | 2025-05-20 10:33 | 2025-05-20 10:36 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 Lease Agreements Missing | Waived-Originator exception granted to allow 1007 used to qualify DSCR with tenant in place but no written lease. Non-material waiver applied with comp factors. Deemed non-material due to the 1007 amount being less than the verbal rent agreement the borrower has with the tenant. - Due Diligence Vendor-05/20/2025 <br>Open-1007 used to qualify DSCR with tenant in place but no written lease. - Due Diligence Vendor-05/20/2025 |  | Waived-Originator exception granted to allow 1007 used to qualify DSCR with tenant in place but no written lease. Non-material waiver applied with comp factors. Deemed non-material due to the 1007 amount being less than the verbal rent agreement the borrower has with the tenant. - Due Diligence Vendor-05/20/2025<br>| DSCR % greater than 1.20 - Calculated DSCR of 1.402<br>Months Reserves exceed minimum required - Verified assets of 74.15 months exceeds the minimum required of 6 months<br>Qualifying FICO score is at least 20 points above minimum for program - FICO of 765 is higher than the minimum FICO required of 680 | FICO 20 points over minimum required<br> Verified assets of 74.15 months exceeds the minimum required of 6 months |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 4190942 |
| XXXX | XXXX | 304728200 B A | Closed | FCRE0096 | 2025-06-10 08:58 | 2025-06-11 11:17 | Waived | 2 - Non-Material B | Credit | Eligibility | Cash Out amount over $500,000 | Waived-Originator exception granted to allow for cash-out amount received exceed max of XXXX (cash-out proceeds of XXXX) . Non-material waiver applied to finding with compensating factors.<br> Experienced Investor, good mortgage payment history. - Due Diligence Vendor-06/11/2025 <br> Open-Cash Out amount over XXXX, check guides to confirm cash out amount. Lender Exception Granted: Approved to allow cash in hand over XXXX - XXXX, when current max cash in hand is limited to XXXX per guides.<br> Comp Factors:<br> 1. XXXX FICO, over 20 points of requirement.<br> 2. 24+ months on time mortgage payment history. - Due Diligence Vendor-06/10/2025 |  | Waived-Originator exception granted to allow for cash-out amount received exceed max of $500k (cash-out proceeds of XXXX) . Non-material waiver applied to finding with compensating factors.<br> Experienced Investor, good mortgage payment history. - Due Diligence Vendor-06/11/2025 | DSCR % greater than 1.20 - Lender minimum DSCR 1.1, borrower DSCR 1.329.<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 680, borrower FICO 748. | Comp Factors: 1. 748 FICO, over 20 points of requirement. 2. 24+ months on time mortgage payment history. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4393015 |
| XXXX | XXXX | 304736082 D B A | Closed | FCRE1197 | 2025-07-02 09:01 | 2025-09-23 12:03 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Originator exception granted FICO XXXX to go to 80% LTV with a loan amount > $1,500,000, waiver applied with comp factors - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Based on the 2nd finding by Tenant user at XXXX, this finding should be cleared. - Seller-07/02/2025 <br> Open-Audited FICO of XXXX is less than Guideline FICO of XXXX Per Matrix, loan amount less than XXXX for 80% LTV, min is 680 - Due Diligence Vendor-07/02/2025 | Ready for Review-Based on the 2nd finding by Tenant user at XXXX on XXXX, this finding should be cleared. - Seller-07/02/2025 | Waived-Originator exception granted FICO < 680 to go to 80% LTV with a loan amount > $1,500,000, waiver applied with comp factors - Due Diligence Vendor-09/23/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 35.22%<br>Months Reserves exceed minimum required - 9 months min reserves required, borrower has 54.56 documented | Reserves: 3+ months above minimum<br> 25 years with current employer<br> DTI 5% below maximum. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 4628429 |
| XXXX | XXXX | 304736082 D B A | Closed | FCRE1354 | 2025-07-02 08:28 | 2025-07-24 16:05 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 2 Tax Returns Not Signed | Resolved-Upon further review, tax returns for B2 is not a required document. - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Document Uploaded. Please note that the borrower is a Wage Earner and Tax Returns were only obtained to show that the borrower did not have ownership. File contains the following XXXX: Paystubs, XXXX W2's, 2023/2024 W2 Transcripts (Evidences income reported to IRS), VVOE from the XXXX#, Copy of Tax Returns with no self employed earnings, most recent statement of information which does not list XXXX as an owner, and a CPA Letter confirming the business is 100% owned by XXXX. It is our position that the submitted documentation suffices in verifying the borrower's income and establishing the borrower has no ownership in the business. We ask that this condition be cleared. - Seller-07/23/2025 <br> Counter-File contains W2 transcripts-not 1040 transcripts. Original finding remains. - Due Diligence Vendor-07/07/2025 <br> Ready for Review-Document Uploaded. Please see attached. IRS Transcripts for 2023 and 2024 were provided in the file. Per XXXX guide, IRS transcripts that validate the tax return is considered a signature alternative. - Seller-07/02/2025 <br> Open-Borrower 2 Tax Returns Not Signed Returns are not signed - Due Diligence Vendor-07/02/2025 | Ready for Review-Document Uploaded. Please note that the borrower is a Wage Earner and Tax Returns were only obtained to show that the borrower did not have ownership. File contains the following XXXX: Paystubs, 2023/2024 W2's, 2023/2024 W2 Transcripts (Evidences income reported to IRS), VVOE from the XXXX, Copy of Tax Returns with no self employed earnings, most recent statement of information which does not list XXXX as an owner, and a CPA Letter confirming the business is 100% owned by XXXX. It is our position that the submitted documentation suffices in verifying the borrower's income and establishing the borrower has no ownership in the business. We ask that this condition be cleared. - Seller-07/23/2025 <br> Ready for Review-Document Uploaded. Please see attached. IRS Transcripts for 2023 and 2024 were provided in the file. Per XXXX guide, IRS transcripts that validate the tax return is considered a signature alternative. - Seller-07/02/2025 | Resolved-Upon further review, tax returns for B2 is not a required document. - Due Diligence Vendor-07/24/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 35.22%<br>Months Reserves exceed minimum required - 9 months min reserves required, borrower has 54.56 documented |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4628093 |
| XXXX | XXXX | 304736082 D B A | Closed | FCRE1506 | 2025-07-02 10:53 | 2025-07-17 15:49 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received Mortgage Statement. - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. Please see attached. May Mortgage Statement and Credit Supplement - Mortgage for XXXX - Seller-07/16/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing documentation for XXXX - Due Diligence Vendor-07/02/2025 | Ready for Review-Document Uploaded. Please see attached. XXXX Mortgage Statement and Credit Supplement - Mortgage for XXXX - Seller-07/16/2025 | Resolved-Received Mortgage Statement. - Due Diligence Vendor-07/17/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 35.22%<br>Months Reserves exceed minimum required - 9 months min reserves required, borrower has 54.56 documented |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4630198 |
| XXXX | XXXX | 304736082 D B A | Closed | FCRE7497 | 2025-07-02 09:15 | 2025-07-17 15:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received Mortgage Statement. - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. Please see attached. XXXX Mortgage Statement and Credit Supp for XXXX - Seller-07/16/2025 <br> Counter-Per the credit report there is a monthly payment due. Please provide PITIA. - Due Diligence Vendor-07/15/2025 <br> Ready for Review-The lien reflected on the provided Deed of Trust is not structured as an amortized loan with regular monthly payments. Therefore, it does not generate a standard mortgage statement or qualify for a traditional Verification of Mortgage (VOM). Instead, it appears to require a lump-sum payment. If that payment does not satisfy the accrued interest, an additional sum may become due. However, there is no monthly payment schedule associated with this lien. - Seller-07/14/2025 <br> Open-Missing documentation for XXXX - Due Diligence Vendor-07/02/2025 | Ready for Review-Document Uploaded. Please see attached. XXXX Mortgage Statement and Credit Supp for XXXX - Seller-07/16/2025 <br> Ready for Review-The lien reflected on the provided Deed of Trust is not structured as an amortized loan with regular monthly payments. Therefore, it does not generate a standard mortgage statement or qualify for a traditional Verification of Mortgage (VOM). Instead, it appears to require a lump-sum payment. If that payment does not satisfy the accrued interest, an additional sum may become due. However, there is no monthly payment schedule associated with this lien. - Seller-07/14/2025 | Resolved-Received Mortgage Statement. - Due Diligence Vendor-07/17/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 35.22%<br>Months Reserves exceed minimum required - 9 months min reserves required, borrower has 54.56 documented |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4628604 |
| XXXX | XXXX | 304736060 C B A | Closed | FCRE1197 | 2025-07-02 08:22 | 2025-07-02 10:36 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Originator exception granted to allow Credit Score < 720, Non-material waiver applied with comp factors. non-material due to Excellent credit history - Due Diligence Vendor-07/02/2025 <br> Open-Audited FICO of XXXX is less than Guideline FICO of XXXX Exception Request: Seeking approval to proceed with XXXX FICO, 17 point FICO Exception. - Due Diligence Vendor-07/02/2025 |  | Waived-Originator exception granted to allow Credit Score < 720, Non-material waiver applied with comp factors. non-material due to Excellent credit history - Due Diligence Vendor-07/02/2025<br>| LTV is less than guideline maximum - Max LTV 75%- Borrower's LTV 55%<br>DSCR % greater than 1.20 - DSCR % > 1.2. | - LTV 5% + below max<br> - DSCR > 1.2 |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 4628052 |
| XXXX | XXXX | 304736060 C B A | Closed | FCRE8201 | 2025-07-02 10:34 | 2025-07-02 10:35 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator exception granted to allow XXXX, Non-material waiver applied with comp factors. non-material due to the LLC is owned by the borrower's trust. trust in the file. - Due Diligence Vendor-07/02/2025 <br> Open-XXXX- - Due Diligence Vendor-07/02/2025 |  | Waived-Originator exception granted to allow XXXX, Non-material waiver applied with comp factors. non-material due to the LLC is owned by the borrower's trust. trust in the file. - Due Diligence Vendor-07/02/2025 | LTV is less than guideline maximum - Max LTV 75%- Borrower's LTV 55%<br>DSCR % greater than 1.20 - DSCR % > 1.2. | LTV 5% + below max.<br> DSCR > 1.2 |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 4629824 |
| XXXX | XXXX | 304736101 C B A | Closed | FCRE1498 | 2025-07-07 17:09 | 2025-07-07 17:20 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower Rental Experience Insufficient per Guidelines (DSCR) | Waived-Originator exception granted to allow investor experience as primary home being a duplex and rents out the other unit, Non-material waiver applied with comp factors. non-material due to reserves, FICO and borrower rents other unit in primary. - Due Diligence Vendor-07/07/2025 <br>Open-Borrower Rental Experience Insufficient per Guidelines (DSCR Loan Type) Lender exception borrower owns a duplex as their primary and rents out the other unit. Per guidelines at least one borrower must have a history of owning AND managing a nonowner-occupied real estate property for at least 1 in the last 3 years for multifamily 5-10 unit properties. - Due Diligence Vendor-07/07/2025 |  | Waived-Originator exception granted to allow investor experience as primary home being a duplex and rents out the other unit, Non-material waiver applied with comp factors. non-material due to reserves, FICO and borrower rents other unit in primary. - Due Diligence Vendor-07/07/2025 | DSCR % greater than 1.20 - DSCR = 1.53<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720- Borrowers FICO 783 | FICO more than 20 Points over program minimum<br> No mortgage lates in past 24 months |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 4708387 |
| XXXX | XXXX | 304778035 C A | Closed | FCRE8013 | 2025-07-26 11:03 | 2025-07-29 17:33 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-Upon further review, B2 is a co-signor only and is not on the Mortgage or Title. - Due Diligence Vendor-07/29/2025 <br>Ready for Review-B2 is not supposed to be on the contract and B2 was only a borrower on the note (not on title/ mortgage) - Seller-07/28/2025 <br>Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. File is missing Addendum adding B2 as Co-Purchaser - Due Diligence Vendor-07/26/2025 | Ready for Review-B2 is not supposed to be on the contract and B2 was only a borrower on the note (not on title/ mortgage) - Seller-07/28/2025<br>| Resolved-Upon further review, B2 is a co-signor only and is not on the Mortgage or Title. - Due Diligence Vendor-07/29/2025<br>| On time mortgage history exceeds guideline requirement - On Time Mortgage History = 93 Months Required = 12 months<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 746 Min FICO = 680 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 4957602 |
| XXXX | XXXX | 304778035 C A | Closed | FCRE4805 | 2025-07-26 10:32 | 2025-07-29 17:26 | Resolved | 1 - Information C A | Credit | Eligibility | Trust/POA Does Not Meet Guideline Requirements | Resolved-Received POA. - Due Diligence Vendor-07/29/2025 <br>Ready for Review-Document Uploaded. POAS - Seller-07/28/2025 <br>Open-Trust/POA Does Not Meet Guideline Requirements File is missing Fully Executed POAs for Both B1 and B2 - Due Diligence Vendor-07/26/2025 | Ready for Review-Document Uploaded. POAS - Seller-07/28/2025<br>| Resolved-Received POA. - Due Diligence Vendor-07/29/2025<br>| On time mortgage history exceeds guideline requirement - On Time Mortgage History = 93 Months Required = 12 months<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 746 Min FICO = 680 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 4957523 |
| XXXX | XXXX | 304754707 C B A | Closed | FCRE0969 | 2025-08-06 12:35 | 2025-08-29 07:57 | Waived | 2 - Non-Material B | Credit | Closing | Prepayment Penalty Issue | Waived-Originator exception granted to allow pre pay penalty in XX. Waiver applied with comp factors. Prepay removed from the system and downgraded. - Due Diligence Vendor-08/29/2025 <br> Counter-Received rebuttal of vesting in LLC-Finding remains-prepayment is not eligible. Note reflects individual, dated XXXX-effective with Note date XXXX- Per XXXX a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. UnderXX Law a prepayment penalty is not permitted to be charged to an LLC. - Due Diligence Vendor-08/11/2025 <br> Ready for Review-We respectfully disagree. PerXXXX guidelines, prepayment penalties are not allowed on loans vested to individuals in XX and XX. No other restrictions apply. Furthermore, the subject loan closed as a business purpose transaction. - Seller-08/08/2025 <br> Open-Per XXXX a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under XX Law a prepayment penalty is not permitted to be charged to an LLC<br> - Due Diligence Vendor-08/06/2025 | Ready for Review-We respectfully disagree. PerXXXX guidelines, prepayment penalties are not allowed on loans vested to individuals in XX and XX. No other restrictions apply. Furthermore, the subject loan closed as a business purpose transaction. - Seller-08/08/2025 | Waived-Originator exception granted to allow pre pay penalty in XX. Waiver applied with comp factors. Prepay removed from the system and downgraded. - Due Diligence Vendor-08/29/2025 | Months Reserves exceed minimum required - 9.13 mos reserves; 6 mos required<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720- Borrower's FICO 772 | Fico: 770>720 minimum required<br> Reserves: 9 months >6 months minimum required. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | N/A | 5077078 |
| XXXX | XXXX | 304754707 C B A | Closed | FCRE1194 | 2025-08-06 10:32 | 2025-08-25 15:15 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator provided a waiver for LTV to 75% -5% above maximum, applied to non material finding with comp factors and reviewed compfactors - Due Diligence Vendor-08/25/2025 <br> Ready for Review-Document Uploaded. - Seller-08/22/2025 <br> Open-Audited LTV of 75% exceeds Guideline LTV of 70% Subject is in the state of XX. State restrictions for XX on Purchases is 70% Max LTV. - Due Diligence Vendor-08/06/2025 | Ready for Review-Document Uploaded. - Seller-08/22/2025<br>| Waived-Originator provided a waiver for LTV to 75% -5% above maximum, applied to non material finding with comp factors and reviewed compfactors - Due Diligence Vendor-08/25/2025<br>| Months Reserves exceed minimum required - 9.13 mos reserves; 6 mos required<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720- Borrower's FICO 772 | Fico: 770>720 minimum required<br> Reserves: 9 months >6 months minimum required. | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 5073884 |
| XXXX | XXXX | 304754707 C B A | Closed | FCRE0970 | 2025-08-06 10:44 | 2025-08-18 12:48 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received revised appraisal with the correct license number. - Due Diligence Vendor-08/18/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-08/14/2025 <br>Open-Provide the correct license for the license number used in the appraisal report. The license attached to the appraisal is not the same license number. - Due Diligence Vendor-08/06/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/14/2025<br>| Resolved-Received revised appraisal with the correct license number. - Due Diligence Vendor-08/18/2025<br>| Months Reserves exceed minimum required - 9.13 mos reserves; 6 mos required<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720- Borrower's FICO 772 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5074108 |
| XXXX | XXXX | 304817010 C B A | Closed | FCRE1194 | 2025-08-27 09:17 | 2025-08-27 12:33 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator exception granted to allow 90% LTV , Non-material waiver applied with comp factors. non-material due to 15 year son job - Due Diligence Vendor-08/27/2025 <br>Open-Audited LTV of 90% exceeds Guideline LTV of 85% Exception to allow LTV of 90% with 3 month bank statements to support P&L - Due Diligence Vendor-08/27/2025 |  | Waived-Originator exception granted to allow 90% LTV , Non-material waiver applied with comp factors. non-material due to 15 year son job - Due Diligence Vendor-08/27/2025<br>| Months Reserves exceed minimum required - Verified assets of 5.05 months exceeds the minimum required of 3 months<br>Qualifying DTI below maximum allowed - DTI of 15.65% is less than the maximum allowed per guidelines of 50% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 5330694 |
| XXXX | XXXX | 304819799 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 304866871 D B A | Closed | FPRO1245 | 2025-09-19 11:28 | 2025-09-23 14:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Appraisal is Expired | Resolved-Received 1004 update. - Due Diligence Vendor-09/23/2025 <br>Ready for Review-Document Uploaded. - Seller-09/20/2025 <br>Open-Primary Value Appraisal is Expired 1004D IS ABSENT THE LOAN FILE - Due Diligence Vendor-09/19/2025 | Ready for Review-Document Uploaded. - Seller-09/20/2025<br>| Resolved-Received 1004 update. - Due Diligence Vendor-09/23/2025<br>| LTV is less than guideline maximum - LTV = 70% - Max LTV = 75%<br>Months Reserves exceed minimum required - Reserves = 95.35 months – Required Reserves = 2 Months<br>|  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5602269 |
| XXXX | XXXX | 304866871 D B A | Closed | FCRE1182 | 2025-09-19 11:50 | 2025-09-19 12:59 | Waived | 2 - Non-Material B | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Waived-Originator waiver applied to non material finding - Due Diligence Vendor-09/19/2025 <br>Open-Missing Approval/Underwriting Summary 1008 Absent the loan file - Due Diligence Vendor-09/19/2025 |  | Waived-Originator waiver applied to non material finding - Due Diligence Vendor-09/19/2025<br>| LTV is less than guideline maximum - LTV = 70% - Max LTV = 75%<br>Months Reserves exceed minimum required - Reserves = 95.35 months – Required Reserves = 2 Months<br>|  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | 5602883 |
| XXXX | XXXX | 304866875 C A | Closed | finding-47 | 2025-09-17 10:30 | 2025-09-24 10:16 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD XXXX with correct disbursement date. - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. - Seller-09/23/2025 <br> Counter-Received a final Settlement statement from title company confirming the disbursement date is XXXX. However, we need an updated PCCD with correct disbursement date and fee amounts. Finding remains. - Due Diligence Vendor-09/22/2025 <br> Ready for Review-Document Uploaded. Please see attached final SS. The disbursement date should be XXXX. - Seller-09/19/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-09/17/2025 | Ready for Review-Document Uploaded. - Seller-09/23/2025 <br> Ready for Review-Document Uploaded. Please see attached final SS. The disbursement date should be XXXX. - Seller-09/19/2025 | Resolved-Received PCCD XXXX with correct disbursement date. - Due Diligence Vendor-09/24/2025 | Months Reserves exceed minimum required - 21 months reserves. Guidelines require 2 months.<br>Qualifying DTI below maximum allowed - DTI 39.59%. Max DTI 50%.<br>LTV is less than guideline maximum - Loan closed at 66.67% LTV. Guidelines allowed up to 75%. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5567676 |
| XXXX | XXXX | 304827524 C A | Closed | FCRE1194 | 2025-09-18 10:17 | 2025-10-23 15:33 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-After further review, this is a XXXX and the lax LTV is 80%. - Due Diligence Vendor-09/30/2025 <br> Resolved-Audited LTV of 80% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-09/30/2025 <br> Ready for Review-Document Uploaded. If you can please escalate to your manager. Our tape will always say XXXX whether it's a XXXXs or XXXX. The program code for noni plus is TBD + <br> The loan was locked as XXXX, I have attached the lock confirmation <br> - Seller-09/30/2025 <br> Counter-1008 received reflects max LTV of 75%-TBDFX30 CASH OUT REFI $180,000 LTV 75% MUST BE RESTRUCTURED. Please clarify with UW. Tape reflects XXXX program. Please validate DSCR and program.<br> - Due Diligence Vendor-09/29/2025 <br> Ready for Review-Document Uploaded. see attached Loan Approval and refer to the loan program (under loan info section) which states TBD+ that = XXXX; DSCR is 1.66 (Market Rents from appraisal XXXX/ XXXX pmt = 1.66 DSCR) \*\*\*loan meets all requirement for a Noni+ please clear condition - Seller-09/26/2025 <br> Counter-Audit DSCR is 1.157% - insufficient for XXXX, Tape reflects Noni program. Please validate DSCR and program. - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. This is a XXXX, see attached matrix confirming max LTV for c/o refi dscr > 1 is 80% - Seller-09/23/2025 <br> Open-Audited LTV of 80% exceeds Guideline LTV of 75% Max LTV 75% for Cash Out with DSCR >1 - Due Diligence Vendor-09/18/2025 | Ready for Review-Document Uploaded. If you can please escalate to your manager. Our tape will always say noni whether it's a XXXX or XXXX. The program code for XXXX is TBD + <br> The loan was locked as noni plus, I have attached the lock confirmation <br> - Seller-09/30/2025 <br> Ready for Review-Document Uploaded. see attached Loan Approval and refer to the loan program (under loan info section) which states TBD+ that = XXXX; DSCR is 1.66 (Market Rents from appraisal XXXX / XXXX pmt = 1.66 DSCR) \*\*\*loan meets all requirement for a XXXX please clear condition - Seller-09/26/2025 <br> Ready for Review-Document Uploaded. This is a XXXX, see attached matrix confirming max LTV for c/o refi dscr > 1 is 80% - Seller-09/23/2025 | Resolved-After further review, this is a Noni + and the lax LTV is 80%. - Due Diligence Vendor-09/30/2025 <br>Resolved-Audited LTV of 80% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-09/30/2025<br>| Months Reserves exceed minimum required - 27 months reserves. Guidelines require 6 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 784 with required 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5584114 |
| XXXX | XXXX | 304827524 C A | Closed | FCRE1440 | 2025-09-18 09:56 | 2025-09-29 12:49 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOM for 2nd lien. - Due Diligence Vendor-09/29/2025 <br> Ready for Review-Document Uploaded. see attached VOM for 2nd - Seller-09/26/2025 <br> Counter-Received confirmation no advances and zero balance--VOM or credit supplement required. - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. See attached email from attorney stating this loan was never advanced from the borrower so there was never a balance on the commercial line that was recorded XXXX - Seller-09/23/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Provide a credit supplement or VOM for the existing 2nd mortgage with XXXX - Due Diligence Vendor-09/18/2025 | Ready for Review-Document Uploaded. see attached VOM for 2nd - Seller-09/26/2025 <br>Ready for Review-Document Uploaded. See attached email from attorney stating this loan was never advanced from the borrower so there was never a balance on the commercial line that was recorded 7/21/25 - Seller-09/23/2025<br>| Resolved-Received VOM for 2nd lien. - Due Diligence Vendor-09/29/2025<br>| Months Reserves exceed minimum required - 27 months reserves. Guidelines require 6 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 784 with required 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5583677 |
| XXXX | XXXX | 304827524 C A | Closed | FCRE1254 | 2025-09-18 08:56 | 2025-09-25 12:13 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received confirmation 2nd lien was a zero balance and satisfied. - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. See attached copy of final title policy dated XXXX, refer to Sch B section II which reflects no subordinate financing. Also reference the email from the attorney confirming both mortgages as satisfied. - Seller-09/23/2025 <br> Open-Property Title Issue Title report shows a first mortgage for XXXX and a second mortgage for XXXX. However, only the first mortgage was paid off at closing. Provide documentation to support that the second mortgage has been paid off or provide a subordination agreement. Additional conditions may apply. - Due Diligence Vendor-09/18/2025 | Ready for Review-Document Uploaded. See attached copy of final title policy dated XXXX, refer to Sch B section II which reflects no subordinate financing. Also reference the email from the attorney confirming both mortgages as satisfied. - Seller-09/23/2025 | Resolved-Received confirmation 2nd lien was a zero balance and satisfied. - Due Diligence Vendor-09/25/2025<br>| Months Reserves exceed minimum required - 27 months reserves. Guidelines require 6 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 784 with required 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5582686 |
| XXXX | XXXX | 304894194 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |

---

## Exhibit 99.9

[j.p. morgan acceptance corporation ii abs-15G](jpmmt-abs15g.htm)

**Exhibit 99.9**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Original Loan Amount** |
| XXXX | XXXX | 304686374 | XXXX C A D |
| XXXX | XXXX | 304686360 | XXXX D A B |
| XXXX | XXXX | 304702244 | XXXX C A B |
| XXXX | XXXX | 304702226 | XXXX A |
| XXXX | XXXX | 304713612 | XXXX D A B |
| XXXX | XXXX | 304728200 | XXXX B A |
| XXXX | XXXX | 304736082 | XXXX D A B |
| XXXX | XXXX | 304736060 | XXXX C A B |
| XXXX | XXXX | 304736101 | XXXX C A B |
| XXXX | XXXX | 304778035 | XXXX C A |
| XXXX | XXXX | 304754707 | XXXX C A B |
| XXXX | XXXX | 304817010 | XXXX C A B |
| XXXX | XXXX | 304819799 | XXXX A |
| XXXX | XXXX | 304866871 | XXXX D A B |
| XXXX | XXXX | 304866875 | XXXX A C |
| XXXX | XXXX | 304827524 | XXXX C A |
| XXXX | XXXX | 304894194 | XXXX A |

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## Exhibit 99.10

[j.p. morgan acceptance corporation ii abs-15G](jpmmt-abs15g.htm)

**Exhibit 99.10**

---

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| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX | XXXX | 304686374 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .2219 | 76.0 | 0.24 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304686360 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 71A | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .1111 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .1111 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304702244 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 71B | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0693 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0693 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304702226 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Appraisal Narrative | XXXX | XXXX | XXXX | 73.95 | 73.95 | XXXX | XXXX | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304713612 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 304728200 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 71A | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0789 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0789 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304736082 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| XXXX | XXXX | 304736060 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 71A | XXXX | XXXX | XXXX | 55.0 | 55.0 | XXXX | XXXX | .0306 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0306 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304736101 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 71A | XXXX | XXXX | XXXX | 74.62 | 74.62 | XXXX | XXXX | -.0500 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0500 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304778035 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304754707 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 71A | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0833 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0833 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304817010 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | -.0154 | 1004 URAR |  |  |  |  | XXXX | XXXX | -.0154 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 304819799 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX Eligible |  |  |
| XXXX | XXXX | 304866871 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 304866875 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 66.67 | 66.67 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | XXXX | 304827524 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304894194 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 17.3 | 17.3 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.11

[j.p. morgan acceptance corporation ii abs-15G](jpmmt-abs15g.htm)

**Exhibit 99.11**

![](ex9911001.jpg)

**January 5, 2026**<br> **Due Diligence Narrative Report** <br>

![](ex9911002.jpg)

**Table of Contents**

---

| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Originators** | **2** |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **3** |
| &nbsp;&nbsp;&nbsp;Sampling | 3 |
| &nbsp;&nbsp;&nbsp;Sponsor Acquisition Criteria | 3 |
| &nbsp;&nbsp;&nbsp;Loan Grading | 3 |
| &nbsp;&nbsp;&nbsp;TPR Component Review Scope | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Credit Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Property Valuation Review | 5 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regulatory Compliance Review | 5 |
| &nbsp;&nbsp;&nbsp;Data Capture | 7 |
| &nbsp;&nbsp;&nbsp;Data Integrity | 7 |
| **Data Compare Results** | **8** |
| **Clayton Due Diligence Results** | **9** |
| **Clayton Third Party Reports Delivered** | **10** |
| **Appendix A: Credit Review Scope** | **11** |
| **Appendix B: Origination Appraisal Assessment** | **14** |
| **Appendix C: Regulatory Compliance Review Scope** | **17** |

---

JPMMT 2026-NQM1 Due Diligence Narrative Report Page \| 1 January 5, 2026

![](ex9911002.jpg)

**Clayton Contact Information**

Client Service Management:

---

| | | |
|:---|:---|:---|
| ![](ex9911003.jpg) | **Chris Turk** | Senior Client Service Director |
|  |  | Phone: (813) 472-6509/E-mail: <u>cturk@clayton.com</u> |
| ![](ex9911003.jpg) | **Joe Ozment** | Vice President – Client Services & Securitization |
|  |  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

**Overview**

On behalf of Hometown Equity Mortgage, LLC ("Hometown"), Clayton conducted an independent third-party pre-securitization due diligence review of 15 residential loans. The due diligence for Hometown (15 loans) took place between July 2025 and November 2025.

On behalf of AmWest Funding Corp ("AmWest" and each of Hometown and AmWest, a "Lender" and together, the Lenders), Clayton conducted an independent third-party pre-securitization due diligence review of 1 residential loan. The due diligence for AmWest (1 loan) took place in May 2024.

JPMorgan Chase Bank, National Association ("JPMorgan") acquired this diligence through Reliance Letter purchases and selected these loans for the JPMMT 2026-NQM1 transaction.

This narrative report provides information about the Lenders, the scope of work performed by Clayton, and the results of Clayton's review.

**Originators**

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Broker | &nbsp;&nbsp;14 | &nbsp;&nbsp;87.50% |
| &nbsp;&nbsp;Correspondent Flow without delegated underwriting | &nbsp;&nbsp;1 | &nbsp;&nbsp;6.25% |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;1 | &nbsp;&nbsp;6.25% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**16** | &nbsp;&nbsp;**100.00%** |

---

JPMMT 2026-NQM1 Due Diligence Narrative Report Page \| 2 January 5, 2026

![](ex9911002.jpg)

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

The scope of work for this transaction consisted of credit, property valuation, and regulatory compliance reviews, plus a data integrity check, and was 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

For all originators in this transaction, 100% of the loans received a Full Review as described below.

Review Type Loan Counts:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;***Review Type*** | &nbsp;&nbsp;***Loan Count***<br> ***Reviewed by Clayton***  | &nbsp;&nbsp;***Scope Applied*** |
| &nbsp;&nbsp;**Full Review** | &nbsp;&nbsp;16 | &nbsp;&nbsp;Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| &nbsp;&nbsp;**Total Loan Population** | &nbsp;&nbsp;16 |  |

---

Sponsor Acquisition Criteria

Clayton was supplied with the related guidelines in advance of our review. The subject loans were reviewed pursuant to the applicable Originators guidelines.

Loan Grading

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

JPMMT 2026-NQM1 Due Diligence Narrative Report Page \| 3 January 5, 2026

![](ex9911002.jpg)

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

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

![](ex9911004.jpg)

TPR Component Review Scope

Clayton examined each loan file 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 the loan documentation provided to Clayton.

Credit Review

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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
 the 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 the Sponsor Acquisition Criteria;

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

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

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

JPMMT 2026-NQM1 Due Diligence Narrative Report Page \| 4 January 5, 2026

![](ex9911002.jpg)

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 (16 loans)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Value
 Supported Analysis (16 loans)

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

For loans reviewed:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o 39
 loans had a collateral underwriter through Fannie/Desktop Underwriter of 2.5 or less
 and therefore did not require a 3<sup>rd</sup> party product.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o 25
 loans had a Desk Review in file to show support for value.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o 3
 loans had an Automated Valuation Model ("AVM") in file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o 1
 loan had a second Full Appraisal in file to show support for value.

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>.)

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;▪ Tested
 for state-specific consumer protection laws including late charge and prepayment penalty
 provisions;

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

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

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

– TIL APR and Finance charge tolerances;

– Timeliness of ARM Disclosures (if applicable);

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

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

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

– Prepayment Penalty restrictions;

JPMMT 2026-NQM1 Due Diligence Narrative Report Page \| 5 January 5, 2026

![](ex9911002.jpg)

QM/ATR Review: On applicable loans, test compliance with applicable Qualified Mortgage (QM) and Ability to Repay (ATR) requirements defined under the Dodd-Frank Wall Street Reform and Consumer Protection Act as promulgated by the Consumer Financial Protection Bureau, as further described on <u>Appendix C</u> attached hereto

For loans identified as QM based upon the revised QM definition, the scope included identifying whether loans met the QM definition in terms of loan term, fees and product features, and also whether (1) the loan's APR did not exceed the QM APOR threshold applicable to the loan and (2) that the applicable Lender considered and verified income, assets and debt in accordance with the revised QM standards.

Clayton included in its review an analysis to determine if the applicable Lender's underwriting deviated from the VSH guidelines that applicable Lender's documented that they used. This scope only applies if the applicable Lender underwrote the loan to either chapters B3-3 through B3-6 of the Fannie Mae Single Family Selling Guide published June 3, 2020; or sections 5102 through 5500 of the Freddie Mac Single-Family Seller/Servicer Guide, published June 10, 2020. See Appendix C for more detail.

TILA/RESPA Integrated Disclosure Scope ('Covered Loans' on or after 10/3/2015); SFA RMBS 3.0 TRID Compliance Review Scope as further described on <u>Appendix C</u> attached hereto.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Real
 Estate Settlement Procedures Act (RESPA) laws and regulations testing included the following,
 for loans other than 'Covered Loans' and loans with an Application Date prior
 to 10/3/2015:

– GFE initial disclosure timing and content;

– Confirmed the file contains the final HUD1 Settlement Statement;

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

– Homeownership Counseling Notice; and

– Affiliated Business Disclosure if applicable.

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

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

Following the June 15<sup>th</sup> , 2016 formal publication of the RMBS 3.0 TRID Compliance Review Scope©, Clayton reviewed prior testing results dating back to the TRID Effective Date, and applied the enhanced RMBS 3.0 TRID Compliance Review Scope to such loans upon the affirmative election by JPMorgan.

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

Non-Owner Occupied Scope: Most consumer protection laws are designed to afford protection to borrowers who are entering into a loan that will be secured by their residence. For most high cost and higher-priced laws, as well as rescission,

JPMMT 2026-NQM1 Due Diligence Narrative Report Page \| 6 January 5, 2026

![](ex9911002.jpg)

the only loans covered by the law are loans secured by the borrower's (or in the case of rescission a title holder's) principal residence. Most other consumer protection laws extend to a borrower's secondary residence, which under TILA and RESPA is a residence that they occupy at least 2 weeks during the year. Further, if the loan is for a business purpose it is often excluded from consumer protection laws regardless of occupancy, including TILA (whereas if it is secured by non-owner occupied but for a personal, family or household purpose it is more likely to be covered).

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

State and Federal High Cost and Higher-Priced:

● Cook County High Cost Ordinance

● 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

● Virginia Lender and Broker Act after 6/1/2008

● 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)

● Sufficiency of coverage

● Escrow of insurance payment

Data Capture

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

Data Integrity

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tape
 data received from the applicable Lender/client is stored in eCLAS;

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

JPMMT 2026-NQM1 Due Diligence Narrative Report Page \| 7 January 5, 2026

![](ex9911002.jpg)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Discrepancies
 found during comparison are stored; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Each
 discrepancy is reported on the Clayton Loan Level Tape Compare.

**Data Compare Results**

Clayton provided JPMorgan with copies 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.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field Name** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;Borrower DSCR Percent | &nbsp;&nbsp;1 | &nbsp;&nbsp;93.75% |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;4 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;Debt to Income Ratio (Back) | &nbsp;&nbsp;1 | &nbsp;&nbsp;93.75% |
| &nbsp;&nbsp;Disbursement Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;81.25% |
| &nbsp;&nbsp;Months Reserves | &nbsp;&nbsp;12 | &nbsp;&nbsp;25.00% |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;1 | &nbsp;&nbsp;93.75% |
| &nbsp;&nbsp;Product Type | &nbsp;&nbsp;4 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;93.75% |
| &nbsp;&nbsp;Representative Credit Score for Grading | &nbsp;&nbsp;1 | &nbsp;&nbsp;93.75% |
| &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;12 | &nbsp;&nbsp;25.00% |

---

JPMMT 2026-NQM1 Due Diligence Narrative Report Page \| 8 January 5, 2026

![](ex9911002.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 (16 loans)</u>

**Initial and Final Credit Component Grade Results**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **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** | 11 |  | 1 |  | **12** |
| **Final** | **B** |  | 1 | 2 | 1 | **4** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **11** | **1** | **3** | **1** | **16** |

---

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.

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **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 | 14 |  |  |  | **14** |
| **Final** | B |  | 1 |  | 1 | **2** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **14** | **1** | **0** | **1** | **16** |

---

**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 | 14 |  | 1 |  | **15** |
| **Final** | B |  |  | 1 |  | **1** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **14** | **0** | **2** | **0** | **16** |

---

JPMMT 2026-NQM1 Due Diligence Narrative Report Page \| 9 January 5, 2026

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**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 | 8 |  |  | 1 | **9** |
| **Final** | B |  |  | 1 |  | **1** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **8** | **0** | **1** | **1** | **10** |

---

The total count of loans that received a compliance review (10 loans) varies from the overall pool count (16 loans) due to investor loans not having applicability for compliance results.

**Clayton Third Party Reports Delivered**

Clayton furnished the following reports on this transaction:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Rating
 Agency Attestations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Exception
 Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Guideline
 Key

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Rating
 Agency Grades Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Supplemental
 Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Tape
 Compare Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Valuations
 Report

JPMMT 2026-NQM1 Due Diligence Narrative Report Page \| 10 January 5, 2026

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**Appendix A: Credit Review Scope**

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

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

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

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

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

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

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

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

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

– Citizenship status

– Non- occupant co-borrower

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

Maximum loan amount

– Loan purpose

– Occupancy

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

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

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

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

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

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

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

– Income documentation

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

– CPA letter

– Business licenses

– Tax transcripts (IRS Form 4506-T)

– Other documentation in loan file

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

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

– Documents did not appear to have been altered or inconsistent

– IRS Form 4506-T

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Financial
 statements

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Paystubs

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ W-2s

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

– Complete copy of report was in loan file

– Report was dated within required timeframe

– All borrowers were included in the report

– Checked any fraud alerts against related loan file documentation

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

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

– Captured and utilized appropriate credit score for guideline review

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

– Title interest – determined if

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Leasehold
 estate

– Appropriate vestee(s) were listed on title policy

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

– Applicable title endorsements were present

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

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

– Captured monthly tax payments in debt ratio calculation

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

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

– Seller contributions did not exceed maximum allowed

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

– Disbursements and pay-offs included in debt ratio calculations

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– Loan purpose confirmed

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

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

– Confirmed that any required insurance was for the:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct
 Lender

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

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

Confirmed that any required insurance minimum coverage amount and policy period

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

– Confirmed that the mortgagee clause listed the applicable Lender's name and "its successors and assigns"

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

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

– Determined if mortgage insurance is required

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

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

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

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

– Social Security inconsistencies

– Borrower name variations

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

– Borrower address history

– Subject property ownership history

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

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

– Mortgage lender/originator

– Loan officer

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

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**Appendix B: Origination Appraisal Assessment**

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

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

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

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

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

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

– FNMA 2090 – Individual Cooperative Appraisal Report. Used for individual cooperative units

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

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

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

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

– Accurate identification of the subject property

– Accurate identification of the subject loan transaction

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

– All required attachments including:

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

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

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

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

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

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

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

– Appraisal date met supplied Sponsor Acquisition Criteria

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

– Property usage was reviewed for zoning compliance

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

– Neighborhood values were reviewed to determine if declining

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ %
 built up

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Growth
 rate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Demand/supply

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Marketing
 time

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Predominant
 occupancy

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

– Style of property was reviewed to determine if unique property

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

– Locational and/or environmental concerns adequately addressed if present

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

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

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

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

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

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

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

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

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

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

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

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

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

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

F. Disclaimer

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

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

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

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

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

G. Desk
 Review definitions

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

&nbsp;&nbsp;&nbsp;&nbsp;o ProTeck's
 Appraisal Risk Review (ARR) is an enhanced desk review of the original appraisal in the
 file completed by a licensed appraiser. The ARR validates subject and comparable data
 and characteristics, confirms the original appraiser's methodologies, credentials,
 and commentary to insure compliance with regulatory requirements and industry accepted
 best practices, and flags all risk factors while also providing 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;o GFE/HUD1:
 confirm the correct version of the GFE and HUD1 were properly completed under the Regulation
 X Final Rule that became mandatory on January 1, 2010

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o ATR/QM
Ability to Repay, aka Minimum Standards for Transactions: for applications on or after 1/10/2014, confirm the loan file contains
documentation to evidence the applicable 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 or the revised QM definition as described below. Non QM loans will be reviewed to ensure the applicable Lender documented
that they considered and verified the 8

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![](ex9911002.jpg)

underwriting factors as required for ATR compliance. This review also includes evaluating loans against the new TILA prepayment penalty restrictions (Section 43)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o For
 loans identified as QM based upon the revised QM definition, the scope included identifying
 whether loans met the QM definition in terms of loan term, fees and product features,
 and also whether (1) the loan's APR did not exceed the QM APOR threshold applicable
 to the loan and (2) that the applicable Lender considered and verified income, assets
 and debt in accordance with the revised QM standards.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o For
 loans identified as QM under the revised QM definition, as applicable, an added element
 was to identify whether the applicable Lender used guidelines that provided a Verification
 Safe Harbor, based on the following review scope:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Lender
 provided a VSH Indicator. (The VSH indicator was provided within the loan images, on
 the data tape, or as part of the loan program/guidelines being originated to.) The loan
 guidelines utilize one of the specified GSE June 2020 guidelines to meet VSH. In the
 event the applicable Lender has identified the loan to have VSH status, then the TPR
 firm reviewed to identify documentation variances that would cause one to question the
 VSH attestation from the applicable Lender. If variances are identified then the loan
 would not be identified by the TPR firm to meet the VSH documentation requirements under
 either the Fannie Mae guidelines or under the Freddie Mac guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Under
 this review scope, if an AUS provides a lesser documentation standard than the Safe Harbor
 guideline and the Safe Harbor guideline does not contain a specific allowance for the
 reduced documentation, the AUS in and of itself will not evidence of VSH. For example,
 Section B3-3.5 of the Fannie Mae guidelines contains two instances where lesser DU documentation
 is allowable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Clayton
 does not independently affirm that a applicable Lender's guidelines meet VSH or
 that a court would determine that the applicable Lender met the QM consider and verify
 standards.

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

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

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

● Pre-application forms cannot look similar to the LE

● Pre-application forms must contain the required disclaimer ("Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan").

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Timing
 Requirements:

● The LE was delivered or placed in the mail within 3 business days of the broker or applicable Lender receiving an application.

● The loan does not consummate (Clayton looks to the later of the note date or notary date) until the later of seven business days after the LE is delivered or placed in the mail and three business days after the CD (or Corrected CD when a new three-day waiting period is triggered) is received.

● That a revised LE or CD is provided within three business days of the applicable Lender having knowledge of the information that led to the change.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Fee
 Tolerances:

● Zero and ten percent tolerance fees are only reset with a valid and timely change of circumstance.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Payment
 Schedule Accuracy:

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

● Interest-only periods and final balloon payments are accurately completed.

● The total of the principal and interest payment, mortgage insurance and escrow amounts add up correctly.

● When applicable, that the AIR and AP tables are consistent with Clayton's calculations.

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

● Amount Financed

● Finance Charge

● Total of Payments

● Total interest percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Technical
 Requirements

● Compliance with the TRID rounding rules.

● Compliance with specified formatting requirements.

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

● Alphabetization of fees.

● Title fees preceded by "Title –."

● Column or similar limits such as four columns for Projected Payments and a maximum of thirteen Origination Charges on the LE.

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

● Once a fee is disclosed it must remain substantially the same name across disclosures.

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

● Where amounts in a table reference that they are derived from another section of the form, that the amounts match the amount in the section referenced.

● Escrow amounts disclosed in the Projected Payments section tie out to the escrow amounts detailed in the Loan Disclosures section.

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

● All required fields not specifically listed herein are completed or left blank in accordance with TRID rules; creditor information, contact information, rate lock information, etc.

● For areas where multiple options are provided, such as Assumption, Negative Amortization and Liability after Foreclosure, only one option is indicated.

● That there is either a signature or a Loan Acceptance statement on the form.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Waivers

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

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

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

● Whether the product or a product feature changed which requires a new waiting period and whether that waiting period was provided.

● Whether a prepayment penalty was added requiring a new waiting period and whether that waiting period was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Post-Close
 CD's

● Corrected CD's provided with a post-close refund.

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● Post-close CD's to correct numerical errors based on events (such as recording) occurring within 30 days of consummation.

● Post-close CD's to correct non-numerical clerical errors required within 60 days of consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Related
 Documentation

● Provision and timing of Your Home Loan Toolkit (first lien, purchase-money loans)

● Written List of Providers, when there are items in in the Services You Can Shop For category (can impact fee tolerances)

● Affiliated Business Disclosure (can impact fee tolerances)

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

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

● Whether the Liability after Foreclosure selection is correct for the property state.

● Accuracy of the Aggregate Adjustment amount.

● Presence and accuracy of the Seller's Transaction columns of the Summaries of Transactions section.

● Accuracy of the Contact Information for the applicable Lender, broker and settlement agent. Clayton will look for discrepancies across forms, but is not independently verifying the information.

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

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

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

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

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

---

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

---

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

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**State/Local High Cost** | &nbsp;&nbsp;**State/Local High Cost** | &nbsp;&nbsp;**State/Local High Cost** |
| &nbsp;&nbsp;Arkansas | &nbsp;&nbsp;Maine | &nbsp;&nbsp;Pennsylvania |
| &nbsp;&nbsp;California | &nbsp;&nbsp;Maryland | &nbsp;&nbsp;Rhode Island, including the Providence ordinance |

---

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---

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

---

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

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

● Minnesota (Mortgage Originator and Service Licensing Act)

● Puerto Rico (Office Regulation 5722)

● Texas (Texas Finance Code)

● West Virginia (Residential Mortgage Lender, Broker and Servicer Act).

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

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

---

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

---

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

Several states have laws that neither create a separate class of high cost or higher-priced mortgage loan, nor impose a ceiling on the overall fees or APR, but nonetheless contain requirements and restrictions on mortgage loans that may impact the assignee or the

JPMMT 2026-NQM1 Due Diligence Narrative Report Page \| 21 January 5, 2026

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lien. Clayton tests for compliance with such laws, including late charge and prepayment penalty provisions, in the following states and municipalities:

---

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

---

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

**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 an applicable Lender's compliance with all applicable disclosure and licensing requirements. Furthermore, the findings reached by Clayton are dependent upon its receiving complete and accurate data regarding the Loans from loan originators and other third parties. Please be further advised that Clayton and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clayton do not constitute legal advice or opinions.© 2026 Clayton Services LLC. All rights reserved.

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

JPMMT 2026-NQM1 Due Diligence Narrative Report Page \| 23 January 5, 2026

## Exhibit 99.12

[j.p. morgan acceptance corporation ii abs-15G](jpmmt-abs15g.htm)

**Exhibit 99.12**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 304732585 | XXXXXX | XXXXXX | Combined LTV | 76.00 | 80.00 |
| 304732585 | XXXXXX | XXXXXX | Months Reserves | 1.00 | 1.20 |
| 304732585 | XXXXXX | XXXXXX | Total Cash Out | 22460.60 | 0.00 |
| 304840724 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 25.2960 | 32.4529 |
| 304840724 | XXXXXX | XXXXXX | Months Reserves | 1.00 | 2.80 |
| 304840724 | XXXXXX | XXXXXX | Original P&I | 8218.16 | 7488.99 |
| 304840724 | XXXXXX | XXXXXX | Total Cash Out | (9539.64) | 5000.00 |
| 304840665 | XXXXXX | XXXXXX | Months Reserves | 54.00 | 45.89 |
| 304840665 | XXXXXX | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 304840665 | XXXXXX | XXXXXX | Total Cash Out | 15295.47 | 0.00 |
| 304840648 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304840648 | XXXXXX | XXXXXX | Total Cash Out | (522.11) | 0.00 |
| 304840647 | XXXXXX | XXXXXX | Borrower DSCR Percent | 1.0193 | 1.2737 |
| 304840647 | XXXXXX | XXXXXX | Combined LTV | 78.55 | 80.00 |
| 304840647 | XXXXXX | XXXXXX | Months Reserves | 8.00 | 8.33 |
| 304840647 | XXXXXX | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 304840647 | XXXXXX | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 304840647 | XXXXXX | XXXXXX | Total Cash Out | 20486.69 | 0.00 |
| 304894211 | XXXXXX | XXXXXX | Months Reserves | 7.00 | 7.38 |
| 304894211 | XXXXXX | XXXXXX | Product Type | 30 Yr Fixed Interest Only | 30 yr Fixed - 10 yr IO |
| 304894211 | XXXXXX | XXXXXX | Total Cash Out | 376096.84 | 0.00 |
| 304894210 | XXXXXX | XXXXXX | Months Reserves | 6.00 | 0.96 |
| 304894210 | XXXXXX | XXXXXX | Total Cash Out | (2252.49) | 2252.49 |
| 304894191 | XXXXXX | XXXXXX | Total Cash Out | (200.00) | 0.00 |
| 304894190 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304894190 | XXXXXX | XXXXXX | Months Reserves | 6.00 | 46.60 |
| 304894190 | XXXXXX | XXXXXX | Product Type | 30 Yr Fixed Interest Only | 30 yr Fixed - 10 yr IO |
| 304894161 | XXXXXX | XXXXXX | Combined LTV | 77.31 | 80.00 |
| 304894161 | XXXXXX | XXXXXX | Months Reserves | 8.00 | 8.20 |
| 304894161 | XXXXXX | XXXXXX | Total Cash Out | 107232.29 | 0.00 |
| 304894129 | XXXXXX | XXXXXX | Combined LTV | 72.18 | 80.00 |
| 304894129 | XXXXXX | XXXXXX | Months Reserves | 61.00 | 9.72 |
| 304894129 | XXXXXX | XXXXXX | Total Cash Out | 79966.30 | 0.00 |
| 304894126 | XXXXXX | XXXXXX | Months Reserves | 344.00 | 211.66 |
| 304894126 | XXXXXX | XXXXXX | Total Cash Out | 70343.35 | 0.00 |
| 304894100 | XXXXXX | XXXXXX | Months Reserves | 74.00 | 28.39 |
| 304827314 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304827314 | XXXXXX | XXXXXX | Months Reserves | 75.00 | 33.81 |
| 304827314 | XXXXXX | XXXXXX | Representative Credit Score for Grading | 701 | 692 |
| 304325796 | XXXXXX | XXXXXX | Total Cash Out | 66605.52 | 67320.41 |

---

©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 99.13

[j.p. morgan acceptance corporation ii abs-15G](jpmmt-abs15g.htm)

**Exhibit 99.13**

---

| | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Condition Category** | **Condition Sub Category** | **Condition Status** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| 304732585 | XXXXXX | XXXXXX | CO | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 695 exceeds the minimum of 660<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 20 months reviewed for primary residence mtg exceeds the 12 months required |
| 304840724 | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | Documentation | Satisfied B | CMPDOC5556 | Note P&I doesn't equal Clayton's calculated P&I; payment schedule inaccuracy | No | Monthly P&I disclosed on Note provided is $8218.16. Calculated payment based on $1140000, 6.875, 30 yr term is $7488.99. Please provide Note and documents that contain the new P&I amount such as the Note and documents that contain the new P&I amount (such as a TIL or CD), potential adjustments to borrower's account; reopen rescission if finance charge was underdisclosed by more than $35 due to the incorrect payment schedule. | 10.21.25-Client provided Note correcting payment to match calculated payment. Signed by borrower and notarized. Satisfied. | 10.21.25-Satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 722 > 62 points above guideline program minimum of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 33.64% is below the minimum program requirement of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV for Subject Property is below guideline max LTV of 85%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 31 years and 0 months. |
| 304840724 | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | Finance Charge Tolerance | Satisfied B | CMPFINT106 | Finance charge understated by more than $100 (Pmt Stream) | No | 10.21.25-Provide PCCD (loan terms page 1) matching P&I on revised note. Additional conditions may apply. | 10.23.25-Client provided PCCD issued 10/22/25 correcting p&i to match revised note. Sent for second review CN-172710.23.25-Provide CompEase OR Mavent testing for fee comparisons for second review- CN-172710.28.25-Client provided Mavent issued at/near closing. Satisfied. CN-1727 | 10.28.25- Satisfied. CN-1727 | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 722 > 62 points above guideline program minimum of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 33.64% is below the minimum program requirement of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV for Subject Property is below guideline max LTV of 85%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 31 years and 0 months. |
| 304840724 | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied B | CMPTRID3944 | TRID - CD: The P&I at consummation per the CD Loan Terms section does not match the P&I per Year 1 in the CD Project Payments section | No | CD 9/15/25 Monthly Principal and Interest section shows monthly P&I as $8218.16. The calculated payment based on information on the Note (1,140,000; 30 yr term; 6.875), the monthly payment should be $4788.99. | 10.21.25-Provide PCCD (loan terms page 1) matching P&I on revised note.10.23.25-Client provided PCCD issued 10/22/25 correcting p&i to match revised note. Satisfied. | 10.23.25- Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 722 > 62 points above guideline program minimum of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 33.64% is below the minimum program requirement of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV for Subject Property is below guideline max LTV of 85%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 31 years and 0 months. |
| 304840724 | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied B | CMPTRID4027 | TRID - CD: The P&I Payment on the Loan Terms section of Final Closing Disclosure does not match the initial Note P&I | No | 10.21.25-Provide PCCD (loan terms page 1) matching P&I on revised note. | 10.23.25-Provide LOX to borrower and proof of delivery via 3rd party label i.e. fedex. CN-172710.28.25-Client provided LOX & Proof of delivery. Satisfied CN-1727. | 10.28.25-Satisfied CN-1727. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 722 > 62 points above guideline program minimum of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 33.64% is below the minimum program requirement of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV for Subject Property is below guideline max LTV of 85%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 31 years and 0 months. |
| 304840724 | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied B | CMPTRID4401 | TRID - CD: Lender's Projected Payments schedule ends in a different year than Clayton's calculated Projected Payments Schedule | No | 10.21.25-Client provided Note correcting payment to match calculated payment. Signed by borrower and notarized. Satisfied. | 10.21.25-Client provided Note correcting payment to match calculated payment. Signed by borrower and notarized. Satisfied. | 10.21.25- Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 722 > 62 points above guideline program minimum of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 33.64% is below the minimum program requirement of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV for Subject Property is below guideline max LTV of 85%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 31 years and 0 months. |
| 304840724 | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied B | CMPTRID4993 | TRID CD: The Total Fixed Payment disclosed in at least one column of the Projected Payments section of the Final Closing Disclosure does not match the Total Fixed Payment Clayton that calculates. | No | CD 9/15/25 Projected payments section estimated total monthly payment is disclosed (correctly) as $7855.57. Exception is firing due to the monthly P&I amount being entered as $8218.16 ($8218.16 = 366.58 (escrows) = $8584.74). During the review, UW will enter exactly what is on the Note. | 10.21.25-Client provided Note correcting payment to match calculated payment. Signed by borrower and notarized. Satisfied. | 10.21.25- Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 722 > 62 points above guideline program minimum of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 33.64% is below the minimum program requirement of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV for Subject Property is below guideline max LTV of 85%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 31 years and 0 months. |
| 304840724 | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied B | CMPTRID5035 | TRID - CD: The fixed payment disclosed in at least one column of the Projected Payments section of the Final Closing Disclosure does not match the Fixed Payment that Clayton calculates. | No | CD 9/15/25 - Projected payments section - fixed payment P&I is disclosed as $7488.99. During review, UW enters exactly what is on the Note. The note shows monthly P&I to be $8218.16. | 10.21.25-Client provided Note correcting payment to match calculated payment. Signed by borrower and notarized. Satisfied. | 10.21.25--Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 722 > 62 points above guideline program minimum of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 33.64% is below the minimum program requirement of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV for Subject Property is below guideline max LTV of 85%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 31 years and 0 months. |
| 304840665 | XXXXXX | XXXXXX | NJ | (No Data) | ATR/QM: Exempt C | N/A | N/A C B | N/A | N/A | Property Valuations | Value | Satisfied B | PRVAVALU5249 | Property Value Not Supported | No | The appraised value is $XXXXXX dated XXXXX and the CDA value is $XXXXXX which is 13% below the appraised value. CDA based on appraisal dated XXXXXX at $XXXXXX which is not in file. Provide CDA based on appraisal dated XXXXXX that supports the appraised value of $XXXXXX. | 10-24-25 Client uploaded CDA. | 10-24-25 Clayton reviewed CDA which supports value. Exception satisfied. | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 15 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score 753 exceeds the guideline minimum 640<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $183,438.85 or 45.89 months. No reserves required. |
| 304840648 | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Pending due to: Income type per Approval and 1008 is 12 month P&L + 3 months Business Bank Statements. 3 months Business Bank Statements missing from loan file to support income used to qualify at $16,953/month. | 10-29-25 Client uploaded approved exception. | 10-30-25 Clayton reviewed exception for lack of 3 months business banks statements required for the P&L Plus program. Pending exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 755 is above minimum program requirement of 680 for P&L income doc type.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 74.23%; guidelines allow 80% for P&L income doc type.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 49.96% is below the guideline minimum of 50%.Residual income of $8,483.45 is above the required $1500 + $250 residual per month. |
| 304840648 | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Credit | Income/Employment | Active D B | CRDINC3204 | Income Documentation Missing | No | Income type per Approval and 1008 is 12 month P&L + 3 months Business Bank Statements. 3 months Business Bank Statements missing from loan file to support income used to qualify at $16,953/month. The 3 month average of the bank statements can be no less than 10% below the P&L income. | 10-29-25 Client replied: Please see uploaded exception approval. | 10-30-25 Clayton reviewed exception for lack of 3 months business banks statements required for the P&L Plus program. Clayton deems non-material/non-fatal to lending decision as borrower qualifies for regular P&L program and the following compensating factors: 74.23% LTV/ 80% maximum, Credit score 755/680 minimum required and DTI of 49.96% with residual income of $8,483.45/50% maximum and $1500 + $250 residual per month required. Non-material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 755 is above minimum program requirement of 680 for P&L income doc type.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 74.23%; guidelines allow 80% for P&L income doc type.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 49.96% is below the guideline minimum of 50%.Residual income of $8,483.45 is above the required $1500 + $250 residual per month. |
| 304840647 | XXXXXX | XXXXXX | FL | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Property Valuations | Property | Active B | PRVAPROP177 | Property Issues Indicated | No | Condo project in litigation which appears to be structural; provide verification that the damages do not exceed 25% of the HOA reserves and verification that the insurance carrier is conducting the defense and the insurance policy is sufficient to cover the cost of the litigation, to meet guidelines 1.9.10. | 10-6-25 Client replied: Uploaded condo docs. Per litigation letter and condo questionnaire, HOA has a few litigations pending none of which involve our subject property. The HOA has sufficient reserves to cover 25% of potential damages thus not requiring verification that the insurance carrier is conducting the defense, and that the insurance policy is sufficient to cover the cost of the litigation. Please clear condition.10-21-25 Client replied: HEM accepts B grade | 10-7-25 Clayton reviewed documents and has elevated to management for a decision. Exception remains.10-20-25 Clayton reviewed client explanation and loan file. There are three pending litigations against the Association which were all structural but not pertaining to the subject unit. Two are for a set amount and the third case reads "damages in excess of $50,000" with the request of a jury trial. This case is based on a Wrongful Death Act, Section 768.16 et seq. Without this case being settled there is no way to know if this could affect the marketability of the project units. Clayton deems non-material/non-fatal to lending decision due to compensating factors: 8.33 months cash reserves/0 required, 80% LTV/85% maximum, 5 years at current residence and Credit score of 731/660 minimum. Non-material exception remains. 10-22-25 Non-material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 731 is above guideline program minimum of 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV for Subject Property is below guideline max LTV of 85%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for the last 5 years and 0 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: post closing reserves $21,572.08, 8.33 months, no reserves required. |
| 304894220 | XXXXXX | XXXXXX | MO | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 746 FICO score is above the 740 min.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 3 years of mortgage history is above the required 1 year.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 15.14 Months reserves are above the required 3. |
| 304894211 | XXXXXX | XXXXXX | NJ | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 65% is below the guideline maximum of 75%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $36,710.68, 7.38 months. 6 months reserves are required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence 2 years. |
| 304894210 | XXXXXX | XXXXXX | UT | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 73.523% LTV is below the 80% max.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 793 FICO score is above the 660 min.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 4 years of mortgage history is above the required 1 year. |
| 304894191 | XXXXXX | XXXXXX | CT | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 747. G/l min is 700<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 27% consumer credit utilization in file |
| 304894190 | XXXXXX | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 703 is above the required 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $354,140.55, 46.6 months. 9 months required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 50 months on subject and 6 months mortgage/39 months rent on primary exceeds the required 12 months. |
| 304894161 | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 689. The guideline minimum is 680.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 20 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $25,900.95, 8.2 months. 3 months required. |
| 304894129 | XXXXXX | XXXXXX | VA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of702 is above the required 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80 is below the maximum allowable of 85<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $17532.70 or 9.72 months of PITIA. 0 months required. |
| 304894126 | XXXXXX | XXXXXX | NY | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 807 FICO score is above the 620 min.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 60% LTV is below the 85% max.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 211.66 months of reserves are above the required 0. |
| 304894100 | XXXXXX | XXXXXX | NJ | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 744. G/l min is 720<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 0% consumer credit utilization in file<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 28.39 months piti reserves |
| 304325796 | XXXXXX | XXXXXX | AL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > 82 months PITI above guideline minimum. |
| 304827314 | XXXXXX | XXXXXX | MS | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing VOM on the subject property for historical mortgage payments made to Advanced Real Estate Investment Solutions. Mortgage is not reporting on credit and no additional documentation was provided to validate this payment history. | 11.03.2025 - Acknowledged by client. | 11.03.2025 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal use of credit with credit usage ratio of 28%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of220 months exceeds the required 12 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $268,277.20 or 33.81 months of PITIA. 6 months required. |
| 304827314 | XXXXXX | XXXXXX | MS | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | LTV/CLTV | Waived B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Maximum LTV for this transaction is 70% as the middle credit score is 692, lender used the highest score of 701, allowing 75% LTV. Clayton considers this non material, as borrower has 33.81 months reserves with 6 needed, mortgage pay history shows no late pays with 220 months reporting, and borrower demonstrates good credit management skills with use of 28% of total borrowing. | 11.03.2025 - Acknowledged by client. | 11.03.2025 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal use of credit with credit usage ratio of 28%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of220 months exceeds the required 12 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $268,277.20 or 33.81 months of PITIA. 6 months required. |

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## Exhibit 99.14

[j.p. morgan acceptance corporation ii abs-15G](jpmmt-abs15g.htm)

**Exhibit 99.14**

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| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Did Lender Acknowledge Exception at Origination** |
| 304732585 | XXXXXX | No | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 304840724 | XXXXXX | Yes | XXXXXX | XXXXXX C B A | C | B C A | C | B | Not Applicable |
| 304840665 | XXXXXX | No | XXXXXX | XXXXXX C A | N/A | N/A C B | N/A | N/A | Not Applicable |
| 304840648 | XXXXXX | Yes | XXXXXX | XXXXXX D B A | D | A D B | D | A | No |
| 304840647 | XXXXXX | No | XXXXXX | XXXXXX C B A | A | A C B | A | A | Not Applicable |
| 304894220 | XXXXXX | No | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 304894211 | XXXXXX | No | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 304894210 | XXXXXX | No | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 304894191 | XXXXXX | No | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 304894190 | XXXXXX | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 304894161 | XXXXXX | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 304894129 | XXXXXX | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 304894126 | XXXXXX | No | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 304894100 | XXXXXX | No | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 304325796 | XXXXXX | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 304827314 | XXXXXX | No | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |

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## Exhibit 99.15

[j.p. morgan acceptance corporation ii abs-15G](jpmmt-abs15g.htm)

**Exhibit 99.15**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| *Loans In Report:* | *16* | *16* |  |  | **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 Information** |  |
| *Loans In Report:* |  |  |  |  | **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 Information** |  |
| **Loan Number** | **Seller Loan Number** | **Original Balance** | **Sales Price** | **Value For LTV** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review Value** | **Variance Amount** | **Variance (%)** | **Review Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **AVM FSD** | **Confidence Score** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date - Other** | **Value - Other** | **Variance Amount - Other** | **Variance (%) - Other** | **CU / LCA Score** | **Valuation Comments Audit** |
| 304732585 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304840724 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 |  |
| 304840665 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |  |
| 304840648 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304840647 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304894220 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |  |
| 304894211 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304894210 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 |  |
| 304894191 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304894190 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304894161 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304894129 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |  |
| 304894126 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 5.38% | Clear Capital | 1.000 | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 |  |
| 304894100 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | -8.16% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |  |
| 304325796 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | -0.83% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304827314 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com

## Exhibit 99.16

[j.p. morgan acceptance corporation ii abs-15G](jpmmt-abs15g.htm)

**Exhibit 99.16**

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

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on residential mortgage loans acquired by JPMorgan Chase Bank, National Association, through a bulk purchase. The review included a total of four hundred and sixty-four (464) residential mortgage loans, in connection with the securitization identified as JPMMT 2026-NQM1 (the "Securitization"). The Review was conducted from July 2024 through January 2026 on mortgage loans originated between June 2024 and November 2025.

**Scope of Review**

**Credit Review**

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

The Credit Review attempted to confirm the following:

&nbsp;&nbsp;&nbsp;&nbsp;**(a)** **Credit Documentation:** A review of the documentation underlying the credit decision was performed
 to determine sufficiency for consideration in the Credit Review. The Credit Documentation
 review consisted of the following:

○ **Loan Application:** Complete loan application is present in the loan file for all borrowers/guarantors;

○ **Credit Report:** Credit Report in file for all borrowers and meets guideline seasoning requirements and contains OFAC clearance;

○ **Income Documentation / Lease Agreements:** Confirmation of the presence of income documentation in the loan file when required by lender or Client specified underwriting guidelines. For rental properties where existing leases are required to be verified, verify their presence and sufficiency for purpose based on underwriting guideline standards;

○ **Asset Documentation:** Confirmation of presence of asset documentation requirements relative to loan type and guideline requirements for verification of closing funds and reserves;

○ **Borrower/Guarantor Identification:** Verify that the file contains a copy of a government issued identification verification for each borrower (i.e. driver's license, state ID, passport);

○ **Insurance Certificate:** Verify that the loan file contains a copy of the hazard insurance certificate for the subject property and that flood insurance is also documented when required;

○ **Property Valuation:** Confirm the presence of a complete appraisal report and supporting secondary independent estimate of value;

○ **Commercial Borrower Organizing Documentation:** Confirm the presence an Operating Agreement, Bylaws, related amendments and filings or other organizing and operating documentation relative to the commercial borrower entity;

○ **Articles of Incorporation/Certificate of Formation:** Confirm that each loan file contains a copy of the Articles of Incorporation establishing registration within the state of operation;

○ **Certificate of Good Standing:** Confirm that each borrowing entity is active in the state of registration by confirming the presence of a web print out or certification of good standing for the state is in the file;

○ **Borrower Authority / Consent of Members:** Confirm that the loan file contains evidence that the individual executing the loan agreements has been given signing authority on behalf of the borrowing entity.

&nbsp;&nbsp;&nbsp;&nbsp;**(b)** **Legal Documentation:** A review of the documentation required to secure the lender's
 interest in the loan and the borrower(s)' obligations thereunder was conducted
 with the purpose of validating their presence in the mortgage loan file and sufficiency
 of execution:

○ **Note/Loan Agreement/Security Instrument/Extension:** Verification of the presence of the note, loan agreement or security instrument as applicable and that the agreement is properly executed by all parties. Confirm that all applicable allonges or addenda to the note are evidenced in the loan file and duly executed by all responsible parties. If the subject loan has reached or is nearing maturity confirm that an extension agreement is present and duly executed by all required parties;

○ **Mortgage/Deed of Trust/Assignment of Rents:** Verify that a mortgage or deed of trust is in file and is duly executed and notarized and that it contains all applicable riders including an assignment of rents;

○ **Power of Attorney:** If closing docs are executed by a POA confirm that the POA complies with all applicable underwriting and legal requirements including those for timing, form, authority and execution;

○ **Personal Guaranty:** Verify that the requisite individual ownership percentage of a commercial entity borrower as stipulated within Client or lender underwriting guidelines has provided a personal guaranty for the loan;

○ **Affidavit of Commercial Purpose/Occupancy Certification:** Verify that each file contains a borrower statement verifying that the loan is for commercial purpose and that the subject property will not be owner occupied;

○ **Title Policy:** Confirmation that the file contains evidence of title insurance and that the title is free from material defects that could affect lien position;

○ **Deed for Conveyance of Title:** Confirm that the applicable Grant or Warranty Deed is evidenced in the loan file and properly conveys interest in the subject property;

○ **Purchase Contract:** If applicable, confirm the presence of a valid and executed Purchase and Sale Agreement along with any counter offers and modified terms of sale;

○ **Settlement Statement:** As applicable based on loan type and origination date, confirm the presence of a final settlement statement in the mortgage loan file.

&nbsp;&nbsp;&nbsp;&nbsp;**(c)** **Guidelines:** The underwriting guidelines as specified by Client served as the criteria under which
 each loan qualification review took place. Qualification criteria includes:

○ **Borrower/Guarantor Eligibility:** Review each borrower to ensure that they meet eligibility requirements of underwriting guidelines;

○ **Assets:** Validate that the mortgage loan file contains adequately qualified verification of assets to meet underwriting standards;

○ **Debt-Service Coverage Ratios "DSCR":** Applicable to DSCR loans, calculate the debt-service coverage ratio to ensure it meets minimum guideline standards;

○ **Credit History:** Review the borrower credit reports and any supplemental credit history documentation to verify whether the borrower met guideline requirements;

○ **Credit Scores:** Review each borrower/guarantor credit report to validate that the credit score used in qualification is accurate and whether it meets minimum loan qualification and underwriting standards as specified in the underwriting guidelines;

○ **Occupancy:** Confirm that the occupancy of the subject property used for qualification of the loan is accurate and compliant with guideline requirements. For Business Purpose and Investment loans, verify the presence of a borrower executed affidavit confirming the commercial/business purpose of the loan and ensure that no other documentation in the loan file indicates the subject property is being used for non-business purposes;

○ **Loan-to-Value Ratios:** Recalculate the Loan-to-Value Ratio utilizing the Purchase Contract, Property Valuations and/or Loan Agreements to determine whether initial, as-is and as-repaired LTV and CLTV meet loan qualification and underwriting guideline standards based on the calculation methods set forth in underwriting guidelines;

○ **Insurance:** Confirm the adequacy of hazard insurance coverage and that premiums are included in PITI calculations. If required based on flood zone, confirm the presence and adequacy of flood insurance coverage and that premiums are included in PITI calculations;

○ **Compensating Factors:** Review and validate any compensating factors used in the qualification of the loan and in consideration of loan level underwriting guideline exceptions;

○ **Letters of Explanation:** Confirm the presence of Letters of Explanation (LOX) where required per underwriting guidelines and that each such LOX adequately addresses the eligibility scenario under question;

○ **Exception Approvals:** Confirm that any exceptions to underwriting guidelines and/or investor guideline overlays were fully documented, properly approved, and supported;

○ **Misrepresentation / Fraud Review:** Validate that an independent third-party fraud report was obtained for each guarantor when required by underwriting guidelines and that red flags on third party fraud reports have been reviewed.

**QM or ATR Validation / Review of 8 Key Underwriting Factors**

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

● Validate borrower(s) monthly gross income

● Validate funds required to close, required reserves

● Review file documentation for required level of income and asset verifications

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

● Review file documentation for required level of employment

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

● Confirm program, qualifying rate, terms

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

● 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.

● Validate subject loan monthly payment (PITI) and associated obligations

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

● Validate monthly recurring liabilities

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

● Validate debt-to-income ratio (DTI) based upon income and debt documentation provided in the file

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

● Review credit report for credit history and required credit depth including any / all inquiries

● Determine representative credit score from credit report

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

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

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

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

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

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

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

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

**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. In relation to cash out refinances of investment property loans, documentation provided in the loan file will be reviewed only to validate the use of cash out proceeds for business purposes at the origination/consummation of the loan. In the event use of proceeds cannot be validated, or are deemed to be utilized for consumer purposes, the loan would then be subject to a "Compliance Review" of applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. The Compliance Review included the following:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Confirm
 a full three (3) day rescission period was provided to the borrower(s)

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

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

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

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

**Valuation Review**

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

&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 original appraisal and all additional property valuation documentation to determine whether
 source, format and type meet program and guideline eligibility requirements, and that
 property is in "average" condition or better. If the property requires cosmetic
 improvements (as defined by the appraiser), confirm that they do not affect habitability.

&nbsp;&nbsp;&nbsp;&nbsp;b. As
 applicable, assess rental income schedules

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;m. As
 applicable, assess rental income schedules

&nbsp;&nbsp;&nbsp;&nbsp;n. 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;o. Additional
 valuation products were not required when the CU score provided was 2.5 or below or the
 Federal Home Loan Mortgage Corporation Loan Collateral Advisor appraisal ("LCA")
 risk score was eligible for Collateral Rep and Warranty relief. In the event the CU score
 was greater than 2.5 or the LCA appraisal risk score was not eligible for Collateral
 Rep and Warranty 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 Collateral Rep and
 Warranty relief eligibility.

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

For loans reviewed in a post-close valuation review scenario (464 loans in total):

One hundred twenty-nine (129) loans had a Desktop Review, seventeen (17) loans had an AVM, nine (9) loans had a BPO, and two (2) loans had a Second Appraisal. Consolidated Analytics has independent access to the Desktop Review ordered by the Aggregator.

If a loan with an AVM or Desktop Review fell outside of a -10% tolerance, was inconclusive, or the AVM FSD score did not meet allowable thresholds, then a Desktop Review, Field Review, Broker Price Opinion (BPO) along with a Reconciliation of the value, or a 2nd appraisal was required.

There were three (3) occurrences of this.

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

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the four hundred and sixty-four (464) mortgage loans reviewed, one hundred eighty-six (186) unique mortgage loans (40.09% by loan count) had a total of two hundred and ninety (290) tape discrepancies across forty-two (42) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;68 | &nbsp;&nbsp;23.45% |
| &nbsp;&nbsp;Total Qualified Assets Post-Close | &nbsp;&nbsp;28 | &nbsp;&nbsp;9.66% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;26 | &nbsp;&nbsp;8.97% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;18 | &nbsp;&nbsp;6.21% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;15 | &nbsp;&nbsp;5.17% |
| &nbsp;&nbsp;P&I | &nbsp;&nbsp;12 | &nbsp;&nbsp;4.14% |
| &nbsp;&nbsp;PITIA | &nbsp;&nbsp;12 | &nbsp;&nbsp;4.14% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;11 | &nbsp;&nbsp;3.79% |
| &nbsp;&nbsp;LTV | &nbsp;&nbsp;10 | &nbsp;&nbsp;3.45% |
| &nbsp;&nbsp;As-Is Value | &nbsp;&nbsp;10 | &nbsp;&nbsp;3.45% |
| &nbsp;&nbsp;Closing/Settlement Date | &nbsp;&nbsp;9 | &nbsp;&nbsp;3.10% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;6 | &nbsp;&nbsp;2.07% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;6 | &nbsp;&nbsp;2.07% |
| &nbsp;&nbsp;Credit QM/ATR Designation | &nbsp;&nbsp;5 | &nbsp;&nbsp;1.72% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;5 | &nbsp;&nbsp;1.72% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;5 | &nbsp;&nbsp;1.72% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.38% |
| &nbsp;&nbsp;Monthly Taxes | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.38% |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.38% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.38% |
| &nbsp;&nbsp;Total Monthly Property Insurance Amount | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.03% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.03% |
| &nbsp;&nbsp;Street Address | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.69% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.69% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.34% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.34% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.34% |
| &nbsp;&nbsp;Interest Only Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.34% |
| &nbsp;&nbsp;First Pymt Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.34% |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.34% |
| &nbsp;&nbsp;Originator DSCR | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.34% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.34% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.34% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.34% |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.34% |
| &nbsp;&nbsp;Closing Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.34% |
| &nbsp;&nbsp;T & I Payment | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.34% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.34% |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.34% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.34% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.34% |
| &nbsp;&nbsp;Monthly Insurance | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.34% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**290** | &nbsp;&nbsp;**100.00%** |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY**

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 420 | $128779524.00 | 90.52% |
| Event Grade B | 44 | $11526185.00 | 9.48% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 464 | $140305709.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 429 | 92.46% |
| Event Grade B | 35 | 7.54% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 464 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results (As applicable, 345 loans within population did not receive a Compliance Review):** | **Compliance Results (As applicable, 345 loans within population did not receive a Compliance Review):** | **Compliance Results (As applicable, 345 loans within population did not receive a Compliance Review):** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 117 | 98.32% |
| Event Grade B | 2 | 1.68% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 119 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 456 | 98.28% |
| Event Grade B | 8 | 1.72% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 464 | 100.00% |

---

**Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception Type | &nbsp;&nbsp;Exception Level Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;334 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Deed Missing or Defective | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Final 1003 is Incomplete | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Insurance Missing or Defective | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;DSCR Minimum Not Met | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing verification of taxes, insurance, and/or HOA fees for non-subject property | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Missing or Defective | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited DTI Exceeds Guideline DTI | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Entity Documentation - Missing or Defective | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Subject Property Lease - Missing or Defective | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Lender Income Calculation Worksheet | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset Documentation Missing or Defective | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Business Bank Statements Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Letter of Explanation (Assets) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Undocumented Large Deposit/Increase | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Note Missing or Defective | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Insufficient Assets for Reserves | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Effective Date is after the Disbursement Date | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Note is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 2 Gap Credit Report is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Gap Credit Report is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower residency documentation not provided or issue with documentation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Security Instrument Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Business Purpose Affidavit/Disclosure Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower Non-US Citizen Identification Document Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Citizenship Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 2 Business Bank Statements Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Closing Protection Letter Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Release of Lien/Subordination Agreement/Satisfaction Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset 1 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Deed of Trust is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset 2 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Insurance Coverage - Inadequate Coverage | &nbsp;&nbsp;1 |

---

---

| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Audited FICO is less than Guideline FICO | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Appraisal Review - Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Missing Letter of Explanation (Income) | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Guarantor Identification Missing or Defective | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Asset Qualification Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Guaranty Missing or Defective | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Payoff Statement Missing or Defective | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Guideline Seasoning not Met | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Sales Contract Missing or Defective | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Approval/Underwriting Summary Partially Provided | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Borrower does not meet residual income requirement | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Asset 3 Expired | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;ATR Risk | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Number of Months) | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;The Total Hazard Coverage is LESS than the Required Coverage Amount | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Income/Employment General | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Audited DTI Exceeds AUS DTI | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;AUS Not Provided | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Missing Income - Bank Statements | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Excessive LTV Ratio | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;**428** |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Title Insurance Coverage - Inadequate Coverage | &nbsp;&nbsp;24 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Entity Documentation - Missing or Defective | &nbsp;&nbsp;4 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited LTV Exceeds Guideline LTV | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited HCLTV Exceeds Guideline HCLTV | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited CLTV Exceeds Guideline CLTV | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Application Missing or Defective | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Title Insurance Missing or Defective | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit Event – Requirement Not Met | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Closing Disclosure/Settlement Statement Missing or Defective | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Ineligible Property | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Excessive LTV Ratio | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;**40** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;52 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;46 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;CA AB 260 Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;14 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Lender Credits That Cannot Decrease Test | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;MD COMAR Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;eSigned Documents Consent is Missing | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | &nbsp;&nbsp;3 |

---

---

| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;Texas F2 Notice for Home Equity Disclosure Not Provided Within 3 Days of Application Date or 12 Days of Closing Date | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Missing Required Affiliated Business Disclosure | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;CA Per Diem Interest Amount Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Qualified Mortgage Safe Harbor Threshold | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;CT Nonprime Home Loan Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;MA 209 CMR 32.35 Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;TRID: Missing Closing Disclosure | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;TX Const, Art 16, § 50(a)(6)(M)(i) - Texas 50(a)(6) Notice for Home Equity Disclosure is not Provided | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Va. Code Ann. §6.2-422.1 - Tangible Net Benefit Disclosure, or worksheet when applicable, is missing or no evidence it was provided prior to or at consummation or unable to validate tangible net benefit criteria | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;7 Tex. Admin. Code §153.45 50(f)(2)(d) - Texas F2 Notice for Non Home Equity Disclosure not provided at least 12-days prior to consummation date | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Incorrect rescission model used - RTC form model H-8 used for Same Lender or Lender Affiliate Refinance | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;**140** |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Threshold Loan Points and Fees Test | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;**2** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;115 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Missing or Defective | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal Review - Missing | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Subject Property Lease - Missing or Defective | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Exterior Inspection Missing or Defective | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product Not Provided within 10% Tolerance | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal Missing or Defective | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Ineligible Property | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Completion Report or 1004D - Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Desk Review Variance > 10% | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing, Inadequate, or Incomplete Project Document | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Property Type does not meet eligibility requirement(s) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Property/Appraisal General | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;**149** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Desk Review Variance > 10% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Ineligible Property – Zoning Non-compliance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Appraisal Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property Type does not meet eligibility requirement(s) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Third Party Valuation Product Not Provided within 10% Tolerance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Flood Insurance Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Hazard Insurance Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;**8** |

---

**Event Grade Definitions**

---

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

---

---

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

---

---

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

---

---

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

---

## Exhibit 99.17

[j.p. morgan acceptance corporation ii abs-15G](jpmmt-abs15g.htm)

**Exhibit 99.17**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 304907229 | XXX |  | Property Type | XXX | XXX | appraisal reflects attached |
| 304887767 | XXX |  | Street Address | XXX | XXX | Appraisal reflects XXX Finding issued. |
| 304860692 | XXX |  | Property Type | XXX | XXX | Appraisal reflects attached. |
| 304868231 | XXX |  | As-Is Value | $XXX | $XXX | As is value per appraisal dated XX/XX/XXXX |
| 304868231 | XXX |  | LTV | XXX | XXX | $XXX/$XXX |
| 304878891 | XXX |  | As-Is Value | $XXX | $XXX | Appraisal dated XX/XX/XXXX reflects XXX |
| 304862320 | XXX |  | Sales Price | $XXX | $XXX | CD dated XX/XX/XXXX says XXX |
| 304866788 | XXX |  | Loan Amount | $XXX | $XXX | XXX per Note dated XX/XX/XXXX is XXX |
| 304866788 | XXX |  | P&I | $XXX | $XXX | Note reflects XXX |
| 304866788 | XXX |  | LTV | XXX | XXX | XXX/XXX |
| 304847001 | XXX |  | DSCR | XXX | XXX | Missing leases |
| 304872142 | XXX |  | Loan Purpose | XXX | XXX | Cash from borrower XXX |
| 304872142 | XXX |  | As-Is Value | $XXX | $XXX | Appraisal dated XX/XX/XXXX reflects XXX |
| 304872142 | XXX |  | LTV | XXX | XXX | $XXX/$XXX |
| 304874407 | XXX |  | Qualifying FICO | XXX | XXX |  |
| 304874878 | XXX |  | As-Is Value | $XXX | $XXX | Appraisal dated XX/XX/XXXX reflects XXX |
| 304856485 | XXX |  | As-Is Value | $XXX | $XXX | Appraisal dated XX/XX/XXXX reflects XXX |
| 304870015 | XXX |  | Sales Price | $XXX | $XXX | CD and Purchase Contract Addendum reflect XXX |
| 304871450 | XXX |  | Loan Purpose | XXX | XXX | Cash from borrower XXX |
| 304871982 | XXX |  | Property Type | XXX | XXX | appraisal reflects townhouse |
| 304891137 | XXX |  | As-Is Value | $XXX | $XXX | Appraisal dated XX/XX/XXXX reflects XXX |
| 304891137 | XXX |  | LTV | XXX | XXX | $XXX/$XXX |
| 304846941 | XXX |  | As-Is Value | $XXX | $XXX | Appraisal dated XX/XX/XXXX reflects XXX |
| 304846941 | XXX |  | LTV | XXX | XXX | XXX/XXX |
| 304846941 | XXX |  | DSCR | XXX | XXX | Breakdown: XXX income / XXX P&I + XXX Taxes + XXX Insurance |
| 304846902 | XXX |  | DSCR | XXX | XXX | Breakdown: XXX income / XXX P&I + XXX Insurance + XXX Taxes |
| 304867858 | XXX |  | DSCR | XXX | XXX | monthly breakdown: XXX income / XXX P&I + XXX Insurance + XXX Taxes |
| 304875644 | XXX |  | LTV | XXX | XXX | $XXX/$XXX |
| 304875638 | XXX |  | DSCR | XXX | XXX | monthly breakdown: XXX income / XXX P&I + XXX Taxes + XXX Insurance + XXX HOA |
| 304872621 | XXX |  | Property Type | XXX | XXX | Appraisal reflects attached |
| 304872143 | XXX |  | Property Type | XXX | XXX | Appraisal reflects attached. |
| 304866968 | XXX |  | Property Type | XXX | XXX | Appraisal reflects attached |
| 304894542 | XXX |  | DSCR | XXX | XXX | Breakdown: XXX income / XXX P&I + XXX Taxes + XXX Insurance |
| 304768561 | XXX |  | Qualifying FICO | XXX | XXX | Median FICO is XXX per credit report dated XX/XX/XXXX |
| 304459356 | XXX |  | Qualifying FICO | XXX | XXX | Using credit score from XX/XX/XXXX |
| 304459204 | XXX |  | Qualifying FICO | XXX | XXX |  |
| 304828417 | XXX |  | Street Address | XXX | XXX |  |
| 304845377 | XXX |  | Property Type | XXX | XXX | Appraisal reflects attached |
| 304845641 | XXX |  | Property Type | XXX | XXX | Appraisal dated XX/XX/XXXX reflects attached |
| 304846866 | XXX |  | Loan Purpose | XXX | XXX | XXX cash to borrower |
| 304846989 | XXX |  | Sales Price | $XXX | $XXX | CD dated XX/XX/XXXX reflects XXX |
| 304854852 | XXX |  | DSCR | XXX | XXX | Utilizing actual rents to qualify |
| 304393296 | XXX |  | Loan Purpose | XXX | XXX | Cash out amount < XXX Not qualified as cash out |
| 304393296 | XXX |  | Loan Amount | $XXX | $XXX | Note reflects XXX |
| 304393296 | XXX |  | Interest Rate | XXX | XXX | Note reflects XXX% |
| 304393296 | XXX |  | P&I | $XXX | $XXX | Note reflects XXX |
| 304393296 | XXX |  | LTV | XXX | XXX | Using XXX |
| 304393296 | XXX |  | DSCR | XXX | XXX | Breakdown as follows: XXX income/ XXX P&I + XXX insurance + XXX taxes |
| 304774673 | XXX |  | Borrower First Name | XXX | XXX | Note signed by XXX |
| 304774673 | XXX |  | Borrower Last Name | XXXXX | XXXXX |  |
| 304852950 | XXX |  | Property Type | XXX | XXX | appraisal reflects townhouse |
| 304868244 | XXX |  | DSCR | XXX | XXX | Matches DSCR in file |
| 304871412 | XXX |  | Loan Purpose | XXX | XXX | delayed finance |
| 304873985 | XXX |  | Property Type | XXX | XXX |  |
| 304329799 | XXX |  | Loan Amount | $XXX | $XXX |  |
| 304329799 | XXX |  | Interest Rate | XXX | XXX |  |
| 304329799 | XXX |  | LTV | XXX | XXX |  |
| 304694393 | XXX |  | Loan Purpose | XXX | XXX | Refi Cash Out - XXX cash to borrower |
| 304694393 | XXX |  | Interest Rate | XXX | XXX | Note reflects XXX% |
| 304694393 | XXX |  | P&I | $XXX | $XXX | Note reflects XXX |
| 304694393 | XXX |  | DSCR | XXX | XXX | Matches DSCR in file |
| 304862113 | XXX |  | Sales Price | $XXX | $XXX | CD dated XX/XX/XXXX says XXX |
| 304748477 | XXX |  | Interest Rate | XXX | XXX | Note reflects XXX% |
| 304865056 | XXX |  | Property Type | XXX | XXX | Appraisal reflects attached |
| 304848540 | XXX |  | LTV | XXX | XXX | XXX/ XXX appraised value |
| 304754793 | XXX |  | Qualifying FICO | XXX | XXX | using credit score dated XX/XX/XXXX for XXX |
| 304758927 | XXX |  | LTV | XXX | XXX | using appraised value of XXX |
| 304876104 | XXX |  | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower is XXX per documentation in file |
| 304876104 | XXX |  | Total Qualified Assets Post-Close | $XXX | $XXX | Verified by the bank Statements |
| 304897433 | XXX |  | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower is XXX per documentation in file |
| 304897433 | XXX |  | Total Qualified Assets Post-Close | $XXX | $XXX | Verified by the bank Statements |
| 304892991 | XXX |  | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower is XXX per documentation in file |
| 304892991 | XXX |  | Total Qualified Assets Post-Close | $XXX | $XXX | Verified by the bank Statements |
| 304874108 | XXX |  | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower is XXX per documentation in file |
| 304874108 | XXX |  | Total Qualified Assets Post-Close | $XXX | $XXX | Verified by the bank Statements |
| 304889744 | XXX |  | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower is XXX per documentation in file |
| 304889744 | XXX |  | Total Monthly Property Insurance Amount | $XXX | $XXX | Loan file has documented proof and evidence of XXX separate H/O polices for subject property. Lender has it shown in total PITI amount of XXX ($XXX), as well as on the XXX loan information section of the Final 1003. The add'l policy is a XXX program and the loan is still well within DTI parameters, however the lender has provided no explanation as to why the add'l policy was added |
| 304889744 | XXX |  | Total Qualified Assets Post-Close | $XXX | $XXX | Verified by the bank Statements |
| 304897369 | XXX |  | Borrower 2 Self-Employment Flag | XXX | XXX | Co-borrower is XXX per documentation in file |
| 304897369 | XXX |  | Total Qualified Assets Post-Close | $XXX | $XXX | Verified by the bank Statements |
| 304893697 | XXX |  | Borrower 1 FTHB | XXX | XXX | Borrower owned other property, Per 1003 |
| 304893697 | XXX |  | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower is XXX per documentation in file |
| 304893697 | XXX |  | Total Monthly Property Insurance Amount | $XXX | $XXX | XXX represents hazard and flood combined |
| 304893697 | XXX |  | Total Qualified Assets Post-Close | $XXX | $XXX | Verified by the bank Statements |
| 304896378 | XXX |  | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower is XXX per documentation in file |
| 304896378 | XXX |  | Total Qualified Assets Post-Close | $XXX | $XXX | Verified by the bank Statements |
| 304889676 | XXX |  | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower is XXX per documentation in file |
| 304889676 | XXX |  | Total Qualified Assets Post-Close | $XXX | $XXX | Verified by the bank Statements |
| 304889743 | XXX |  | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower is XXX per documentation in file |
| 304889743 | XXX |  | Total Qualified Assets Post-Close | $XXX | $XXX | Verified by the bank Statements |
| 304902329 | XXX |  | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower is XXX per documentation in file |
| 304902329 | XXX |  | Borrower 2 Self-Employment Flag | XXX | XXX | No employment Stated or verified for co-borrower |
| 304902329 | XXX |  | Total Qualified Assets Post-Close | $XXX | $XXX | Verified by the bank Statements |
| 304877933 | XXX |  | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower is XXX per documentation in file |
| 304877933 | XXX |  | Total Qualified Assets Post-Close | $XXX | $XXX | Verified by the bank Statements |
| 304878892 | XXX |  | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower is XXX per documentation in file |
| 304878892 | XXX |  | Total Qualified Assets Post-Close | $XXX | $XXX | Verified by the bank Statements |
| 304905116 | XXX |  | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower is XXX per documentation in file |
| 304905116 | XXX |  | Total Qualified Assets Post-Close | $XXX | $XXX | Verified by the bank Statements |
| 304893978 | XXX |  | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower is XXX per documentation in file |
| 304893978 | XXX |  | Total Qualified Assets Post-Close | $XXX | $XXX | Verified by the bank Statements |
| 304904554 | XXX |  | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower is XXX per documentation in file |
| 304904554 | XXX |  | Total Qualified Assets Post-Close | $XXX | $XXX | Verified by the bank Statements |
| 304903230 | XXX |  | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower is XXX per documentation in file |
| 304903230 | XXX |  | Total Monthly Property Insurance Amount | $XXX | $XXX | Verified by the HOI |
| 304903230 | XXX |  | Total Qualified Assets Post-Close | $XXX | $XXX | Verified by the bank Statements |
| 304898882 | XXX |  | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower is XXX per documentation in file |
| 304898882 | XXX |  | Total Qualified Assets Post-Close | $XXX | $XXX | Verified by the bank Statements |
| 304904448 | XXX |  | Borrower 2 Self-Employment Flag | XXX | XXX | Co-borrower is XXX per documentation in file |
| 304904448 | XXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | XXX shows XXX in all debt vs income of XXX. XXX/XXX is XXX however XXX shows XXX. Final 1003 does not include primary expense of non-occupying co-borrower. DTI regardless meets maximum DTI guideline of XXX |
| 304904448 | XXX |  | Total Qualified Assets Post-Close | $XXX | $XXX | Verified by the bank Statements |
| 304904542 | XXX |  | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower is XXX per documentation in file |
| 304904542 | XXX |  | Total Qualified Assets Post-Close | $XXX | $XXX | Verified by the bank Statements |
| 304877929 | XXX |  | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower is XXX per documentation in file |
| 304877929 | XXX |  | Borrower 2 Self-Employment Flag | XXX | XXX | Co-borrower is XXX per documentation in file |
| 304877929 | XXX |  | Total Qualified Assets Post-Close | $XXX | $XXX | Verified by the bank Statements |
| 304875126 | XXX |  | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower is XXX per documentation in file |
| 304875126 | XXX |  | Property City | XXX | XXX | Audit value pulled from Note |
| 304875126 | XXX |  | Total Qualified Assets Post-Close | $XXX | $XXX | Verified by the bank Statements |
| 304903223 | XXX |  | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower is XXX per documentation in file |
| 304903223 | XXX |  | Total Qualified Assets Post-Close | $XXX | $XXX | Verified by the bank Statements |
| 304891041 | XXX |  | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower is XXX per documentation in file |
| 304891041 | XXX |  | Total Qualified Assets Post-Close | $XXX | $XXX | Verified by the bank Statements |
| 304893853 | XXX |  | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower is XXX per documentation in file |
| 304893853 | XXX |  | Total Qualified Assets Post-Close | $XXX | $XXX | Verified by the bank Statements |
| 304891129 | XXX |  | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower is XXX per documentation in file |
| 304891129 | XXX |  | Total Qualified Assets Post-Close | $XXX | $XXX | Verified by the bank Statements |
| 304897265 | XXX |  | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower is XXX per documentation in file |
| 304897265 | XXX |  | Total Qualified Assets Post-Close | $XXX | $XXX | Verified by the bank Statements |
| 304841652 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the URLA |
| 304841652 | XXX |  | Property Type | XXX | XXX | Verified by the appraisal |
| 304878868 | XXX |  | Originator DSCR | XXX | XXX | Per Loan Approval |
| 304811631 | XXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Audit recalculated income downwards and excluded non qualifying deposits |
| 304811631 | XXX |  | Total Qualified Assets Post-Close | $XXX | $XXX | Verified by the bank Statements |
| 304902819 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304902819 | XXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per CD |
| 304764054 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Peer 1003 |
| 304875918 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | per initial application |
| 304844270 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XXX/XXX/XXX, Per Initial 1003. |
| 304757689 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified via initial 1003. |
| 304757689 | XXX |  | Credit QM/ATR Designation | XXX | XXX | BPL making the loan exempt from QM-ATR. |
| 304757689 | XXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Audit DTI lower due XXX has higher figures for Borrower's Primary residence. XXX used by lender vs. XXX disclosed on the 1003 and documentation provided. |
| 304875916 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 304812617 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed with Initial 1003. |
| 304817971 | XXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per Final CD |
| 304817971 | XXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per debt calculation |
| 304844104 | XXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed with Final Closing Disclosure. |
| 304844070 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Initial 1003 confirms loan Originator signature date as app date. |
| 304875904 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XXX/XXX/XXX, Per Initial 1003. |
| 304875904 | XXX |  | Credit QM/ATR Designation | XXX | XXX | Investment purchase - XXX. |
| 304844051 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 304875902 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304859710 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 304859701 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed with Initial 1003. |
| 304859697 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 304859686 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 304859686 | XXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per CD |
| 304843976 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | The Initial 1003 confirms the loan Originator signature date is the app date. |
| 304859669 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304859665 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Inital 1003 |
| 304875900 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 304875900 | XXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per debts vs income |
| 304859659 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 304859659 | XXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per debts vs income |
| 304871922 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed with Initial 1003. |
| 304871922 | XXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Confirmed with Income documentation and Credit Report. Audited figures match Final XXX provided. |
| 304843864 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304843864 | XXX |  | Credit QM/ATR Designation | XXX | XXX | Per Loan Approval |
| 304875895 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 304859636 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304875894 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XXX/XXX/XXX, Per Initial 1003. |
| 304871910 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | updated Per Initial 1003 |
| 304871910 | XXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | updated per final CD |
| 304859607 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XXX/XXX/XXX, Per Initial 1003. |
| 304859604 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 304859599 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 304859599 | XXX |  | Borrower 1 Self-Employment Flag | XXX | XXX | Per employment data |
| 304859599 | XXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per CD |
| 304875886 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304875886 | XXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per income calculation |
| 304871900 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | updated Per Initial 1003 |
| 304902792 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 304871885 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | updated Per Initial 1003 |
| 304859580 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Initial app date Per 1003 in file is XX/XX/XXXX |
| 304875874 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | updated Per Initial 1003 |
| 304871866 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304859551 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 304875869 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed on 1003 in file. |
| 304902785 | XXX |  | Credit QM/ATR Designation | XXX | XXX | Business purpose loan, investment cash out refi |
| 304902785 | XXX |  | Property Value | $XXX | $XXX | updated per appraisal |
| 304902785 | XXX |  | Qualifying CLTV | XXX | XXX | updated per appraisal and loan terms |
| 304902785 | XXX |  | Qualifying LTV | XXX | XXX | updated per appraisal |
| 304875868 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304875868 | XXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | DTI difference due to company income of XXX% in lieu of XXX% per income documents. |
| 304859512 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 304859512 | XXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per CD |
| 304871845 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XXX/XXX/XXX, Per Initial 1003. |
| 304893344 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XXX/XXX/XXX, Per Initial 1003. |
| 304875851 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed on earliest dated 1003 in file. |
| 304859475 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 304875848 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 304875847 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 304875835 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 304875835 | XXX |  | Borrower 1 SSN | XXX | XXX | Per 1003 |
| 304871794 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial 1003. |
| 304902748 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed on earliest dated 1003 in file. |
| 304893306 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | updated Per Initial 1003 |
| 304893306 | XXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | updated per final CD |
| 304871763 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | updated Per Initial 1003 |
| 304893299 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304893299 | XXX |  | Credit QM/ATR Designation | XXX | XXX | Per Loan Approval |
| 304871749 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | updated Per Initial 1003 |
| 304902739 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed with Initial 1003. |
| 304893280 | XXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Within tolerance |
| 304893279 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed with Initial 1003. |
| 304893279 | XXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Confirmed with bank Statements provided for income verification and Credit Report. Audited income was lower than the Lender's calculation due to missing XX/XX/XXXX bank Statement. |
| 304871691 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | updated Per Initial 1003 |
| 304871684 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XXX/XXX/XXX, Per Initial 1003. |
| 304875772 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304902706 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XXX/XXX/XXX, Per Initial 1003. |
| 304875754 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XXX/XXX/XXX, Per Initial 1003. |
| 304875744 | XXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | updated per final CD |
| 304902687 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | updated Per Initial 1003 |
| 304875742 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial 1003. |
| 304902658 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed on earliest dated 1003 in file. |
| 304893145 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XXX/XXX/XXX, Per Initial 1003. |
| 304893124 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | updated Per Initial 1003 |
| 304902587 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | updated Per Initial 1003 |
| 304902481 | XXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 304902481 | XXX |  | Property Value | $XXX | $XXX | Per appraisal vs XXX |
| 304866944 | XXX |  | Property Value | $XXX | $XXX | Verified to appraised value vs. purchase price. |
| 304866944 | XXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Verified via asset documentation provided. |
| 304816759 | XXX |  | Property Value | $XXX | $XXX | Per the appraisal |
| 304816759 | XXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per the assets |
| 304866930 | XXX |  | Property Value | $XXX | $XXX | Verified with the appraisal, the lower XXX used to qualify is XXX |
| 304866930 | XXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Verified with the most recent asset Statements |
| 304866926 | XXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Verified with the most recent asset Statements |
| 304757018 | XXX |  | MIN No | XXX | XXX | Per Note |
| 304757018 | XXX |  | Property County | XXX | XXX | Per Mortgage |
| 304756904 | XXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | verified assets post closing XXX months |
| 304756904 | XXX |  | ULI | XXX | XXX | The Audited ULI is correct per the review. |
| 304866841 | XXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Verified with the most recent asset Statements |
| 304866841 | XXX |  | ULI | XXX | XXX | Verified with the Final 1003 |
| 304823600 | XXX |  | P&I | $XXX | $XXX | P&I is XXX |
| 304823600 | XXX |  | Monthly Taxes | $XXX | $XXX | XXX Property Taxes + XXX City Taxes = XXX |
| 304844259 | XXX |  | As-Is Value | $XXX | $XXX | Appraisal reflects XXX of XXX |
| 304848378 | XXX |  | Property Type | XXX | XXX | Per appraisal, property has XXX units |
| 304844108 | XXX |  | PITIA | $XXX | $XXX | PITIA is XXX |
| 304844059 | XXX |  | P&I | $XXX | $XXX | P&I is XXX per note XX/XX/XXXX |
| 304844059 | XXX |  | Monthly Insurance | $XXX | $XXX | XXX HOI policies totaling XXX |
| 304844059 | XXX |  | DSCR | XXX | XXX | Income: XXX / P&I: XXX + Taxes: XXX + Insurance: XXX |
| 304871865 | XXX |  | P&I | $XXX | $XXX | P&I is XXX |
| 304871865 | XXX |  | PITIA | $XXX | $XXX | PITIA is XXX |
| 304859713 | XXX |  | Interest Only Term | XXX | XXX | Note reflects interest-only term of XXX months |
| 304859713 | XXX |  | PITIA | $XXX | $XXX | PITIA is XXX |
| 304875866 | XXX |  | P&I | $XXX | $XXX | Note reflects XXX |
| 304875866 | XXX |  | PITIA | $XXX | $XXX | XXX P&I + XXX TIA |
| 304875866 | XXX |  | DSCR | XXX | XXX | missing lease |
| 304893329 | XXX |  | PITIA | $XXX | $XXX | XXX P&I + XXX TIA |
| 304866759 | XXX |  | Property Type | XXX | XXX | Per appraisal, property is XXX-units |
| 304893375 | XXX |  | P&I | $XXX | $XXX | Note dated XX/XX/XXXX reflects P&I of XXX |
| 304893375 | XXX |  | PITIA | $XXX | $XXX | XXX P&I + XXX TIA |
| 304902693 | XXX |  | P&I | $XXX | $XXX | P&I is XXX per Note |
| 304902693 | XXX |  | Monthly Taxes | $XXX | $XXX | XXX are XXX including Property, City, and School Tax |
| 304848381 | XXX |  | Property Type | XXX | XXX | Subject is XXX units |
| 304893215 | XXX |  | Property Type | XXX | XXX | Property is an Attached PUD |
| 304859749 | XXX |  | As-Is Value | $XXX | $XXX | Appraisal dated XX/XX/XXXX reflects XXX |
| 304875698 | XXX |  | PITIA | $XXX | $XXX | PITIA is XXX |
| 304902629 | XXX |  | P&I | $XXX | $XXX | Per Note P&I is XXX |
| 304902629 | XXX |  | PITIA | $XXX | $XXX | PITIA is XXX |
| 304893331 | XXX |  | As-Is Value | $XXX | $XXX | Per appraisal, XXX is XXX as of XX/XX/XXXX |
| 304893331 | XXX |  | Original LTV | XXX | XXX | XXX / XXX value = 73.20% LTV |
| 304902588 | XXX |  | PITIA | $XXX | $XXX | PITIA is XXX |
| 304902588 | XXX |  | Property Type | XXX | XXX | Property is an Attached PUD |
| 304902812 | XXX |  | DSCR | XXX | XXX | XXX STR rent / XXX PITIA = XX/XX/XXXX DSCR |
| 304902765 | XXX |  | Closing Date | XX/XX/XXXX | XX/XX/XXXX | the Note reflects XXX of XX/XX/XXXX |
| 304902475 | XXX |  | PITIA | $XXX | $XXX | Includes annual leasehold rent |
| 304902475 | XXX |  | Monthly Taxes | $XXX | $XXX | Includes annual leasehold rent |
| 304511388 | XXX |  | P&I | $XXX | $XXX | P&I is XXX per note |
| 304511388 | XXX |  | PITIA | $XXX | $XXX | PITIA is XXX inclusive of taxes, insurance, and HOA fees |
| 304699832 | XXX |  | PITIA | $XXX | $XXX | PITIA is XXX inclsuive of taxes and insurance |
| 304735964 | XXX |  | P&I | $XXX | $XXX | P&I is XXX per Note in file |
| 304735964 | XXX |  | Monthly Taxes | $XXX | $XXX | XXX is XXX |
| 304748522 | XXX |  | Property Type | XXX | XXX | XXX to XXX unit multi-family per appraisal |
| 304816559 | XXX |  | DSCR | XXX | XXX | XXX / XXX PITIA = XXX DSCR |
| 304816559 | XXX |  | T & I Payment | $XXX | $XXX | XXX Insurance + XXX Tax + XXX flood = XXX T&I |
| 304827836 | XXX |  | Origination Date | XX/XX/XXXX | XX/XX/XXXX | Note date XX/XX/XXXX |
| 304827836 | XXX |  | First Pymt Date | XX/XX/XXXX | XX/XX/XXXX | First payment date XX/XX/XXXX |
| 304827836 | XXX |  | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | XXX XX/XX/XXXX |
| 304756910 | XXX |  | DSCR | XXX | XXX | XXX Rent / XXX PITIA = XX/XX/XXXX DSCR |

---

## Exhibit 99.18

[j.p. morgan acceptance corporation ii abs-15G](jpmmt-abs15g.htm)

**Exhibit 99.18**

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller Name** | **Seller Loan ID** | **Customer Loan ID** | **Exception ID** | **Exception ID Date** | **Exception Category** | **Exception Subcategory** | **Exception Description** | **Exception Comments** | **Seller Response** | **Reviewer Response** | **Compensating Factors** | **Exception Status** | **Cleared Date** | **Exception Approved Pre Origination** |
| XXX | XXX | 304828930 | XXX-10838 | 9/22/2025 | Credit | Application/Processing | Entity Documentation - Missing or Defective | Please provide updated closing package for "XXX". Closing docs are signed in the name of "XXX" | XX/XX/XXXX: please see attached. The CD was resigned when the security instrument was updated. My apologies I did not upload it the first time. And we just got the note corrected as well. This should be all set XX/XX/XXXX: please see attached revised documentation XX/XX/XXXX: Please see the OP agreement and EIN document that "XXX" no updated closing documents are needed. | XXX: Received XXX:Please provide updated promissory note as well XXX: Note, security instrument, and closing disclosure reflect "XXX", while entity documents reflect "XXX". |  | Cleared | 11/26/2025 | D A |
| XXX | XXX | 304828930 | XXX-10866 | 9/22/2025 | Property | Hazard Insurance | Hazard Insurance Missing or Defective | Missing Expiration Date in Hazard Insurance Policy. | XX/XX/XXXX: Please see attached documents that show the policy and invoice and the invoice shows the expiration date of XX/XX/XXXX | XXX: Received |  | Cleared | 10/1/2025 | D A |
| XXX | XXX | 304748769 | XXX-11111 | 10/3/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX1003: Clear |  | Cleared | 10/3/2025 | A |
| XXX | XXX | 304846248 | XXX-11198 | 10/9/2025 | Property | Hazard Insurance | Hazard Insurance Missing or Defective | Missing Hazard Insurance policy for subject property: XXX | XX/XX/XXXX: Please see attached policy | XXX: Received |  | Cleared | 11/10/2025 | C A |
| XXX | XXX | 304840827 | XXX-11345 | 10/15/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX Title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Title Commitment | XXX: Received |  | Cleared | 11/11/2025 | C A |
| XXX | XXX | 304858395 | XXX-11409 | 10/17/2025 | Property | Flood Insurance | Flood Insurance Missing or Defective | Provided Flood Insurance is a Quote Only. Missing Policy number in Quote for Subject Property : XXX | XX/XX/XXXX: Waived via email XX/XX/XXXX XXX: For both purchase and refinance transactions, the flood insurance premium has been paid at either closing or prior to closing. If the flood insurance premium has been paid prior to closing, an application for sufficient coverage must be submitted along with a paid receipt. Flood insurers do not offer insurance binders for coverage like hazard insurance providers. This means that binding coverage cannot be given for flood insurance until the flood insurance provider receives payment. XX/XX/XXXX: The flood insurance policy does not go in effect until the loan closes. Please see attached policy that shows the waiting period is until the loan closes. | XXX: Waived via email XXX: Evidence of flood insurance is MISSING MORTGAGEe clause XXX: The loan has been closed and funded. Please provide final flood policy. | FICO XXX DSCR XXX | Acknowledged | 11/26/2025 | C B |
| XXX | XXX | 304858395 | XXX-11455 | 10/17/2025 | Credit | Application/Processing | Entity Documentation - Missing or Defective | Please provide updated closing package for "XXX". Closing docs are signed in the name of "XXX" | XX/XX/XXXX: After confirming with the borrower the loan was suppose in XXX. Please see attached documents that are in XXX | XXX: Received |  | Cleared | 10/22/2025 | D A |
| XXX | XXX | 304847861 | XXX-11588 | 10/24/2025 | Property | Hazard Insurance | Hazard Insurance Missing or Defective | Hazard insurance policy is MISSING MORTGAGEe clause after lender's name. Please provide updated hazard policy with ISAOA/ATIMA verbiage. | XX/XX/XXXX XXX: Please see attached document | XXX: Received |  | Cleared | 11/12/2025 | C A |
| XXX | XXX | 304846941 | XXX-11595 | 10/24/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 10/24/2025 | A |
| XXX | XXX | 304858393 | XXX-11601 | 10/24/2025 | Property | Hazard Insurance | Hazard Insurance Missing or Defective | Hazard insurance policy is MISSING MORTGAGEe clause after lender's name. Please provide updated hazard policy with ISAOA/ATIMA verbiage. | XX/XX/XXXX: Waived via email XX/XX/XXXX XXX: please see attached | XXX: Waived via email XXX: Hazard insurance effective date on policy provided is after the loan disbursement date. Please provide evidence of hazard insurance in effect at closing (Effective Date XX/XX/XXXX vs. Disbursement Date XX/XX/XXXX) | FICO XXX DSCR XXX months reserves | Acknowledged | 11/26/2025 | C B |
| XXX | XXX | 304776843 | XXX-11696 | 10/29/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 10/29/2025 | A |
| XXX | XXX | 304871982 | XXX-11750 | 10/30/2025 | Property | Hazard Insurance | Hazard Insurance Missing or Defective | Hazard insurance policy is missing ISAOA/ATIMA verbiage in the mortgagee clause after lender's name. Please provide updated hazard policy with ISAOA/ATIMA verbiage | XX/XX/XXXX - XXX: Please see attached. | XXX: Received |  | Cleared | 11/6/2025 | C A |
| XXX | XXX | 304846902 | XXX-11754 | 10/30/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 10/30/2025 | A |
| XXX | XXX | 304855029 | XXX-11756 | 10/30/2025 | Property | Property Data Collection or Data Integrity | Appraisal Missing or Defective | There has been an exclusionary hit on the appraiser: XXX | XX/XX/XXXX: Waived via email | XXX: Waived via email | FICO XXX DSCR XXX months reserves | Acknowledged | 11/6/2025 | C B |
| XXX | XXX | 304874106 | XXX-11808 | 11/3/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/3/2025 | A |
| XXX | XXX | 304838931 | XXX-11820 | 11/3/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived via overlay | XXX: Waived via overlay |  | Acknowledged | 11/3/2025 | B |
| XXX | XXX | 304862320 | XXX-11829 | 11/3/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/3/2025 | A |
| XXX | XXX | 304838931 | XXX-11836 | 11/3/2025 | Property | Ineligible Property | Ineligible Property – Zoning Non-compliance | Subject property is zoned agricultural which is ineligible per XXX purchase criteria | XX/XX/XXXX: waived via email XX/XX/XXXX: Unclear how this is not clearly residential in nature. There are no outbuildings, no animals, no farm equipment. The only structure on the property is the home and the land is only XXX acre. | XXX: Waived via email XXX: Appraisal reflects the zoning of the subject property as agricultural. Per XXX Purchase Criteria, this would be an ineligible property. | FICO XXX DSCR XXX months reserves | Acknowledged | 11/19/2025 | C B |
| XXX | XXX | 304826982 | XXX-11840 | 11/4/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/4/2025 | A |
| XXX | XXX | 304894592 | XXX-11924 | 11/6/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/6/2025 | A |
| XXX | XXX | 304846990 | XXX-11929 | 11/6/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/6/2025 | A |
| XXX | XXX | 304876524 | XXX-11930 | 11/6/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/6/2025 | A |
| XXX | XXX | 304844577 | XXX-11931 | 11/6/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/6/2025 | A |
| XXX | XXX | 304894542 | XXX-11932 | 11/6/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/6/2025 | A |
| XXX | XXX | 304866788 | XXX-11933 | 11/6/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/6/2025 | A |
| XXX | XXX | 304861539 | XXX-11934 | 11/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/7/2025 | A |
| XXX | XXX | 304875124 | XXX-11937 | 11/7/2025 | Credit | Title or Lien | Title Insurance Missing or Defective | Provided title insurance is a preliminary policy with no coverage amount or mortgagee clause. Please provide a title supplement with ISAOA and coverage amount to meet guideline requirements. | XX/XX/XXXX: please see attached doc XXX XX/XX/XXXX | XXX: Received |  | Cleared | 11/19/2025 | C A |
| XXX | XXX | 304862130 | XXX-11938 | 11/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/7/2025 | A |
| XXX | XXX | 304845366 | XXX-11940 | 11/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/7/2025 | A |
| XXX | XXX | 304856485 | XXX-11941 | 11/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/7/2025 | A |
| XXX | XXX | 304870015 | XXX-11943 | 11/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/7/2025 | A |
| XXX | XXX | 304865041 | XXX-11947 | 11/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/7/2025 | A |
| XXX | XXX | 304887769 | XXX-11949 | 11/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/7/2025 | A |
| XXX | XXX | 304854855 | XXX-11953 | 11/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/7/2025 | A |
| XXX | XXX | 304871450 | XXX-11957 | 11/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/7/2025 | A |
| XXX | XXX | 304873978 | XXX-11962 | 11/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/7/2025 | A |
| XXX | XXX | 304865207 | XXX-11963 | 11/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/7/2025 | A |
| XXX | XXX | 304879049 | XXX-11992 | 11/10/2025 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived via overlay | XXX: Waived via overlay | DSCR XXX FICO XXX LTV 52.31% | Acknowledged | 11/10/2025 | B |
| XXX | XXX | 304868107 | XXX-12001 | 11/10/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/10/2025 | A |
| XXX | XXX | 304875646 | XXX-12007 | 11/10/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/10/2025 | A |
| XXX | XXX | 304865052 | XXX-12014 | 11/11/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/11/2025 | A |
| XXX | XXX | 304858389 | XXX-12017 | 11/11/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/11/2025 | A |
| XXX | XXX | 304854952 | XXX-12018 | 11/11/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/11/2025 | A |
| XXX | XXX | 304862200 | XXX-12019 | 11/11/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/11/2025 | A |
| XXX | XXX | 304871420 | XXX-12023 | 11/11/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/11/2025 | A |
| XXX | XXX | 304862134 | XXX-12025 | 11/11/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/11/2025 | A |
| XXX | XXX | 304870031 | XXX-12036 | 11/11/2025 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | XXX Title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived via overlay | XXX: Waived via overlay | LTV 68.75%, DSCR XXX FICO XXX | Acknowledged | 11/11/2025 | B |
| XXX | XXX | 304872622 | XXX-12038 | 11/11/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/11/2025 | A |
| XXX | XXX | 304843301 | XXX-12041 | 11/11/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/11/2025 | A |
| XXX | XXX | 304891137 | XXX-12043 | 11/11/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/11/2025 | A |
| XXX | XXX | 304869248 | XXX-12048 | 11/11/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/11/2025 | A |
| XXX | XXX | 304865129 | XXX-12049 | 11/11/2025 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | XXX Title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived via overlay | XXX: Waived via overlay | DSCR XXX FICO XXX months reserves | Acknowledged | 11/11/2025 | B |
| XXX | XXX | 304870017 | XXX-12054 | 11/11/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/11/2025 | A |
| XXX | XXX | 304870009 | XXX-12059 | 11/11/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/11/2025 | A |
| XXX | XXX | 304865403 | XXX-12062 | 11/13/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/13/2025 | A |
| XXX | XXX | 304872534 | XXX-12063 | 11/13/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/13/2025 | A |
| XXX | XXX | 304876098 | XXX-12064 | 11/13/2025 | Property | Hazard Insurance | Hazard Insurance Missing or Defective | Hazard insurance policy in file is missing the mortgagee clause and lender's name. Please provide updated hazard policy with the lender's name and ISAOA/ATIMA verbiage | XX/XX/XXXX XXX: Please see attached document | XXX: Received |  | Cleared | 11/19/2025 | C A |
| XXX | XXX | 304866968 | XXX-12065 | 11/13/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/13/2025 | A |
| XXX | XXX | 304862310 | XXX-12067 | 11/13/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/13/2025 | A |
| XXX | XXX | 304875643 | XXX-12069 | 11/13/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/13/2025 | A |
| XXX | XXX | 304855019 | XXX-12072 | 11/13/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived via overlay | XXX: Waived via overlay | LTV 61.56%, FICO XXX months reserves | Acknowledged | 11/13/2025 | B |
| XXX | XXX | 304873913 | XXX-12075 | 11/13/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/13/2025 | A |
| XXX | XXX | 304874312 | XXX-12077 | 11/13/2025 | Credit | Closing Documentation | Note Missing or Defective | Audit prepayment penalty of XXX months does not align with client tape prepayment penalty of XXX months. Final CD and mortgage in file reflect no PPP. | XXX XX/XX/XXXX Please see attached Change of Circumstance and Closing Disclosure from XX/XX/XXXX that shows the Prepayment penalty was removed and the disclosure was sent to the borrower. | XXX: Confirmed XXX month PPP |  | Cleared | 11/19/2025 | C A |
| XXX | XXX | 304887770 | XXX-12079 | 11/13/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX Title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived via overlay | XXX: Waived via overlay | DSCR XXX FICO XXX LTV XXX | Acknowledged | 11/13/2025 | B |
| XXX | XXX | 304876102 | XXX-12080 | 11/13/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/13/2025 | A |
| XXX | XXX | 304866592 | XXX-12081 | 11/13/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/13/2025 | A |
| XXX | XXX | 304875644 | XXX-12087 | 11/13/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/13/2025 | A |
| XXX | XXX | 304875153 | XXX-12088 | 11/13/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/13/2025 | A |
| XXX | XXX | 304868231 | XXX-12090 | 11/13/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/13/2025 | A |
| XXX | XXX | 304875145 | XXX-12092 | 11/13/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/13/2025 | A |
| XXX | XXX | 304891155 | XXX-12096 | 11/14/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/14/2025 | A |
| XXX | XXX | 304896336 | XXX-12103 | 11/14/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/14/2025 | A |
| XXX | XXX | 304876005 | XXX-12105 | 11/14/2025 | Property | Hazard Insurance | Hazard Insurance Missing or Defective | Provided hazard insurance policy effective and expiration date reflect same dates. Please provide updated insurance document with proper effective and expiration date | XX/XX/XXXX: Please see attached documents | XXX: Received |  | Cleared | 12/1/2025 | C A |
| XXX | XXX | 304889737 | XXX-12106 | 11/14/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/14/2025 | A |
| XXX | XXX | 304875154 | XXX-12107 | 11/14/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/14/2025 | A |
| XXX | XXX | 304865131 | XXX-12112 | 11/17/2025 | Credit | Assets Eligibility | Insufficient Assets for Reserves | XX/XX/XXXX months reserves < XXX months minimum reserves required | XX/XX/XXXX XXX: Please see attached documents | XXX: Received |  | Cleared | 11/19/2025 | C A |
| XXX | XXX | 304874879 | XXX-12122 | 11/14/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/14/2025 | A |
| XXX | XXX | 304847002 | XXX-12130 | 11/17/2025 | Property | Appraisal Documentation | Completion Report or 1004D - Missing | Missing inspection report for subject property: XXX | XX/XX/XXXX XXX: Please see attached documents | XXX: Received |  | Cleared | 11/18/2025 | D A |
| XXX | XXX | 304892981 | XXX-12132 | 11/18/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/18/2025 | A |
| XXX | XXX | 304866964 | XXX-12133 | 11/17/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/17/2025 | A |
| XXX | XXX | 304847002 | XXX-12138 | 11/17/2025 | Credit | Debt Service Coverage Ratio Eligibility | DSCR Minimum Not Met | Audit DSCR of XXX does not align with client DSCR of XXX. monthly breakdown: XXX income / XXX P&I + XXX Taxes + XXX Insurance. Please opine. | XX/XX/XXXX: XXX income / XXX P&I + XXX Taxes + XXX Insurance.=XXX rounded to XXX | XXX: Confirmed DSCR XXX |  | Cleared | 11/18/2025 | C A |
| XXX | XXX | 304892983 | XXX-12140 | 11/18/2025 | Credit | Credit Documentation | Entity Documentation - Missing or Defective | Missing Articles document for Borrower Entity: XXX | XX/XX/XXXX - XXX: Please see attached. | XXX: Received |  | Cleared | 11/19/2025 | D A |
| XXX | XXX | 304869254 | XXX-12144 | 11/18/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/18/2025 | A |
| XXX | XXX | 304875157 | XXX-12145 | 11/17/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/17/2025 | A |
| XXX | XXX | 304871406 | XXX-12146 | 11/17/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/17/2025 | A |
| XXX | XXX | 304887767 | XXX-12149 | 11/18/2025 | Property | Appraisal Data Integrity | Appraisal Missing or Defective | Appraisal in file does not match subject property address: XXX | XX/XX/XXXX XXX: Please see attached copy of the appraisal report. This is for the subject property. | XXX: Received, legal descriptions match |  | Cleared | 11/19/2025 | C A |
| XXX | XXX | 304873987 | XXX-12150 | 11/17/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/17/2025 | A |
| XXX | XXX | 304893922 | XXX-12153 | 11/17/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/17/2025 | A |
| XXX | XXX | 304876521 | XXX-12160 | 11/17/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX Title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived via overlay | XXX: Waived via overlay | DSCR XXX FICO XXX months reserves | Acknowledged | 11/17/2025 | B |
| XXX | XXX | 304872142 | XXX-12164 | 11/18/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required. | XX/XX/XXXX: Waived via overlay | XXX: Waived via overlay | DSCR XXX FICO XXX | Acknowledged | 11/18/2025 | B |
| XXX | XXX | 304878891 | XXX-12169 | 11/18/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/18/2025 | A |
| XXX | XXX | 304891044 | XXX-12171 | 11/19/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/19/2025 | A |
| XXX | XXX | 304874748 | XXX-12175 | 11/18/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/18/2025 | A |
| XXX | XXX | 304905000 | XXX-12177 | 11/18/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/18/2025 | A |
| XXX | XXX | 304872519 | XXX-12178 | 11/19/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/19/2025 | A |
| XXX | XXX | 304875638 | XXX-12179 | 11/19/2025 | Credit | Debt Service Coverage Ratio Eligibility | DSCR Minimum Not Met | Audit DSCR of XXX does not align with client DSCR of XXX. monthly breakdown: XXX income / XXX P&I + XXX Taxes + XXX Insurance + XXX HOA. Please opine. | XX/XX/XXXX XXX: XXX does agree with the DSCR of XXX. Please see attached copy of the UW transmittal. | XXX: Confirmed DSCR XX/XX/XXXX |  | Cleared | 11/21/2025 | C A |
| XXX | XXX | 304875132 | XXX-12181 | 11/18/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/18/2025 | A |
| XXX | XXX | 304874878 | XXX-12192 | 11/19/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/19/2025 | A |
| XXX | XXX | 304871975 | XXX-12195 | 11/18/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/18/2025 | A |
| XXX | XXX | 304865042 | XXX-12196 | 11/18/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/18/2025 | A |
| XXX | XXX | 304887767 | XXX-12202 | 11/18/2025 | Credit | Title or Lien | Title Insurance Missing or Defective | Address reflected on CPL and title commitment in file do not match subject property on note: XXX | XX/XX/XXXX XXX: Please see attached document that shows the title & cpl do have the same address as the subject property. XXX | XXX: Legal description matches across title and closing documents |  | Cleared | 11/21/2025 | C A |
| XXX | XXX | 304878896 | XXX-12203 | 11/19/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/19/2025 | A |
| XXX | XXX | 304860692 | XXX-12204 | 11/19/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/19/2025 | A |
| XXX | XXX | 304874407 | XXX-12206 | 11/20/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/20/2025 | A |
| XXX | XXX | 304897269 | XXX-12213 | 11/20/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/20/2025 | A |
| XXX | XXX | 304873551 | XXX-12214 | 11/19/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/19/2025 | A |
| XXX | XXX | 304847000 | XXX-12222 | 11/20/2025 | Credit | Debt Service Coverage Ratio Eligibility | DSCR Minimum Not Met | Audit DSCR of XXX does not align with client DSCR of XXX. monthly breakdown: XXX income / XXX P&I + XXX Taxes + XXX Insurance. Please opine. | XX/XX/XXXX XXX: Please see attached purchase agreement addendum that States borrower has a current tenant in the home on a month to month lease in the amount of $XXX income / XXX P&I + XXX Taxes + XXX Insurance. =XXX | XXX: Received, DSCR matches |  | Cleared | 11/21/2025 | C A |
| XXX | XXX | 304893689 | XXX-12223 | 11/20/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/20/2025 | A |
| XXX | XXX | 304874880 | XXX-12225 | 11/20/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/20/2025 | A |
| XXX | XXX | 304874875 | XXX-12231 | 11/20/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/20/2025 | A |
| XXX | XXX | 304847001 | XXX-12233 | 11/20/2025 | Credit | Credit Documentation | Subject Property Lease - Missing or Defective | Missing Lease Agreement for Subject Property : XXX | XX/XX/XXXX XXX: Please see attached purchase contract addendum that shows the property will be delivered vacant. There is no lease agreement | XXX: Confirmed property will be delivered vacant upon sale |  | Cleared | 11/21/2025 | D A |
| XXX | XXX | 304897007 | XXX-12237 | 11/20/2025 | Credit | Title or Lien | Payoff Statement Missing or Defective | Missing payoff letter for satisfaction and release of mortgage reflected in Title Commitment Schedule B, Part XXX Item XXX | XX/XX/XXXX - XXX: Please see attached. | XXX: Received |  | Cleared | 11/21/2025 | C A |
| XXX | XXX | 304877931 | XXX-12238 | 11/20/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/20/2025 | A |
| XXX | XXX | 304872143 | XXX-12242 | 11/21/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/21/2025 | A |
| XXX | XXX | 304892980 | XXX-12243 | 11/21/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/21/2025 | A |
| XXX | XXX | 304889685 | XXX-12244 | 11/21/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/21/2025 | A |
| XXX | XXX | 304878889 | XXX-12246 | 11/21/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/21/2025 | A |
| XXX | XXX | 304873094 | XXX-12249 | 11/20/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/20/2025 | A |
| XXX | XXX | 304896221 | XXX-12250 | 11/20/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/20/2025 | A |
| XXX | XXX | 304893698 | XXX-12252 | 11/20/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required. | XX/XX/XXXX: Waived via overlay | XXX: Waived via overlay | LTV XXX FICO XXX months reserves | Acknowledged | 11/20/2025 | B |
| XXX | XXX | 304867858 | XXX-12253 | 11/20/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/20/2025 | A |
| XXX | XXX | 304876090 | XXX-12254 | 11/20/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/20/2025 | A |
| XXX | XXX | 304873561 | XXX-12256 | 11/21/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/21/2025 | A |
| XXX | XXX | 304872621 | XXX-12266 | 11/21/2025 | Property | Hazard Insurance | Hazard Insurance Missing or Defective | Hazard insurance policy is missing ISAOA/ATIMA verbiage in the mortgagee clause after lender's name. Please provide updated hazard policy with ISAOA/ATIMA verbiage | XX/XX/XXXX: attached | XXX: Received |  | Cleared | 12/1/2025 | D A |
| XXX | XXX | 304865407 | XXX-12281 | 11/21/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/21/2025 | A |
| XXX | XXX | 304902314 | XXX-12283 | 11/21/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/21/2025 | A |
| XXX | XXX | 304897365 | XXX-12284 | 11/21/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/21/2025 | A |
| XXX | XXX | 304897005 | XXX-12287 | 11/21/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/21/2025 | A |
| XXX | XXX | 304889679 | XXX-12289 | 11/21/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/21/2025 | A |
| XXX | XXX | 304895011 | XXX-12290 | 11/21/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/21/2025 | A |
| XXX | XXX | 304888282 | XXX-12291 | 11/21/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/21/2025 | A |
| XXX | XXX | 304878890 | XXX-12294 | 11/21/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/21/2025 | A |
| XXX | XXX | 304844576 | XXX-12302 | 12/1/2025 | Credit | Debt Service Coverage Ratio Eligibility | DSCR Minimum Not Met | XXX DSCR < XXX minimum DSCR required. Monthly breakdown is as follows: monthly breakdown: XXX income / XXX P&I + XXX Insurance + XXX Taxes + XXX HOA | XX/XX/XXXX XXX: The personal HOI policy with the XXX premium is an elective policy that should not be considered in the DSCR calculation as it can be canceled at any time with no consequence. The master insurance policy in file covers the full property, walls in, with betterments and improvements and is sufficient standalone insurance. | XXX: Received |  | Cleared | 12/3/2025 | C A |
| XXX | XXX | 304897268 | XXX-12303 | 11/24/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/24/2025 | A |
| XXX | XXX | 304876520 | XXX-12318 | 11/24/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/24/2025 | A |
| XXX | XXX | 304875635 | XXX-12321 | 11/24/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/24/2025 | A |
| XXX | XXX | 304893688 | XXX-12326 | 11/26/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/26/2025 | A |
| XXX | XXX | 304892988 | XXX-12329 | 11/26/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required. | XX/XX/XXXX: Waived via overlay | XXX: Waived via overlay | XXX months reserves, FICO XXX LTV 65% | Acknowledged | 11/26/2025 | B |
| XXX | XXX | 304871446 | XXX-12331 | 11/26/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/26/2025 | A |
| XXX | XXX | 304907229 | XXX-12337 | 11/26/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/26/2025 | A |
| XXX | XXX | 304874101 | XXX-12338 | 11/26/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/26/2025 | A |
| XXX | XXX | 304904563 | XXX-12342 | 11/26/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/26/2025 | A |
| XXX | XXX | 304902331 | XXX-12343 | 11/26/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX Title insurance coverage < XXX minimum coverage required. | XX/XX/XXXX: Waived via overlay | XXX: Waived via overlay | XXX months reserves, FICO XXX DSCR XXX | Acknowledged | 11/26/2025 | B |
| XXX | XXX | 304897349 | XXX-12351 | 11/26/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/26/2025 | A |
| XXX | XXX | 304892977 | XXX-12352 | 11/26/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX Title insurance coverage < XXX minimum coverage required. | XX/XX/XXXX: Waived via overlay | XXX: Waived via overlay | DSCR XXX FICO XXX XXX months reserves | Acknowledged | 11/26/2025 | B |
| XXX | XXX | 304862107 | XXX-12354 | 11/26/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/26/2025 | A |
| XXX | XXX | 304897425 | XXX-12355 | 11/26/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/26/2025 | A |
| XXX | XXX | 304892975 | XXX-12358 | 12/1/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 12/1/2025 | A |
| XXX | XXX | 304897350 | XXX-12362 | 12/2/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required. | XX/XX/XXXX: Waived via overlay | XXX: Waived via overlay | DSCR XXX FICO XXX months reserves | Acknowledged | 12/2/2025 | B |
| XXX | XXX | 304894617 | XXX-12364 | 12/1/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 12/1/2025 | A |
| XXX | XXX | 304889665 | XXX-12368 | 12/1/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 12/1/2025 | A |
| XXX | XXX | 304898887 | XXX-12369 | 12/1/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 12/1/2025 | A |
| XXX | XXX | 304874820 | XXX-12370 | 12/1/2025 | Credit | Application/Processing | Entity Documentation - Missing or Defective | Missing operating agreement for borrowing entity: XXX | XX/XX/XXXX XXX: See attached corporate resolution | XXX: Received |  | Cleared | 12/2/2025 | D A |
| XXX | XXX | 304845387 | XXX-12396 | 12/1/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX Title insurance coverage < XXX minimum coverage required. | XX/XX/XXXX: Waived via overlay | XXX: Waived via overlay | DSCR XXX FICO XXX months reserves | Acknowledged | 12/1/2025 | B |
| XXX | XXX | 304329799 | XXX-2784 | 7/23/2024 | Credit | Title/Lien | Closing Protection Letter Missing or Defective | Missing closing protection letter | XX/XX/XXXX: XXX Guides do not require, please escalate. | XXX: Received confirmation CPL not required |  | Cleared | 7/24/2024 | D A |
| XXX | XXX | 304459204 | XXX-5644 | 12/3/2024 | Property | Appraisal Documentation | Exterior Inspection Missing or Defective | Property is located in an impacted disaster area (XXX). Please provide exterior inspection following post disaster guideline requirements. | XX/XX/XXXX: PDI | XXX: Received |  | Cleared | 12/5/2024 | D A |
| XXX | XXX | 304393296 | XXX-4929 | 11/5/2024 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/5/2024 | A |
| XXX | XXX | 304459356 | XXX-5795 | 12/5/2024 | Credit | Application/Processing | Loan Application Missing or Defective | Missing 1003 Loan Application (URLA - Final) | XX/XX/XXXX: Waived via email | XXX: Waived via email | DSCR XXX FICO XXX months reserves | Acknowledged | 12/10/2024 | D B |
| XXX | XXX | 304459356 | XXX-5819 | 12/5/2024 | Property | Appraisal Documentation | Exterior Inspection Missing or Defective | Property is located in an impacted disaster area (XXX). Please provide exterior inspection following post disaster guideline requirements. | XX/XX/XXXX: XXX did not received a declaration per the attached map | XXX: Received |  | Cleared | 12/9/2024 | D A |
| XXX | XXX | 304458657 | XXX-6853 | 2/6/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 2/6/2025 | A |
| XXX | XXX | 304635611 | XXX-7304 | 2/26/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 2/26/2025 | A |
| XXX | XXX | 304640045 | XXX-8056 | 3/26/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 3/26/2025 | A |
| XXX | XXX | 304679578 | XXX-8624 | 4/24/2025 | Property | Appraisal Review | Appraisal Review - Missing | Missing appraisal review for subject property: XXX | XX/XX/XXXX: See attached R&W relief eligible | XXX: Received |  | Cleared | 4/28/2025 | D A |
| XXX | XXX | 304702413 | XXX-9297 | 6/2/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 6/2/2025 | A |
| XXX | XXX | 304694393 | XXX-9432 | 6/10/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX/XXX: Clear |  | Cleared | 6/10/2025 | A |
| XXX | XXX | 304700216 | XXX-9531 | 6/17/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 6/17/2025 | A |
| XXX | XXX | 304720574 | XXX-9594 | 6/24/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 6/24/2025 | A |
| XXX | XXX | 304730755 | XXX-9836 | 7/10/2025 | Property | Hazard Insurance | Hazard Insurance Missing or Defective | Missing condominium master policy for subject property: XXX | XX/XX/XXXX XXX: attached | XXX: Received |  | Cleared | 8/25/2025 | D A |
| XXX | XXX | 304748418 | XXX-10208 | 8/5/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 8/5/2025 | A |
| XXX | XXX | 304748477 | XXX-10242 | 8/6/2025 | Property | Appraisal Review | Appraisal Review - Missing | Missing appraisal review for subject property: XXX | XX/XX/XXXX: See attached appraisal and Freddie Mac SSR showing Collateral R&W Relief eligible, no further review required. | XXX: Received |  | Cleared | 8/7/2025 | D A |
| XXX | XXX | 304734131 | XXX-10274 | 8/8/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 8/8/2025 | A |
| XXX | XXX | 304768561 | XXX-10374 | 8/14/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 8/14/2025 | A |
| XXX | XXX | 304789508 | XXX-10478 | 8/22/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 8/22/2025 | A |
| XXX | XXX | 304779920 | XXX-10522 | 8/25/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 8/25/2025 | A |
| XXX | XXX | 304777804 | XXX-10580 | 8/28/2025 | Credit | Title or Lien | Title Insurance Missing or Defective | Commitment Title Schedule A XXX(a) is missing lender's name. Please provide updated title policy with lender name | XX/XX/XXXX: Please see attached doc | XXX: Received |  | Cleared | 9/25/2025 | C A |
| XXX | XXX | 304819491 | XXX-10648 | 9/4/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 9/4/2025 | A |
| XXX | XXX | 304816316 | XXX-10745 | 9/12/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 9/12/2025 | A |
| XXX | XXX | 304774673 | XXX-10828 | 9/22/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 9/22/2025 | A |
| XXX | XXX | 304823412 | XXX-11276 | 10/13/2025 | Property | Insurance | Hazard Insurance Missing or Defective | Hazard insurance policy is MISSING MORTGAGE clause after Lender's name. Please provide updated hazard policy with ISAOA/ATIMA verbiage after XXX. | XX/XX/XXXX: Please see attached document | XXX: Received |  | Cleared | 10/16/2025 | C A |
| XXX | XXX | 304846400 | XXX-11298 | 10/14/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 10/14/2025 | A |
| XXX | XXX | 304870006 | XXX-11386 | 10/17/2025 | Property | Hazard Insurance | Hazard Insurance Missing or Defective | Hazard insurance policy is missing expiration date. Please provide updated policy including expiration date of coverage. | XX/XX/XXXX: please see attached | XXX: Received |  | Cleared | 10/20/2025 | D A |
| XXX | XXX | 304846989 | XXX-11603 | 10/24/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 10/24/2025 | A |
| XXX | XXX | 304861531 | XXX-11605 | 10/24/2025 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | XXX Title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived | XXX: Waived via overlay | LTV 61.93%, FICO XXX months reserves | Acknowledged | 10/24/2025 | B |
| XXX | XXX | 304866581 | XXX-11610 | 10/27/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 10/27/2025 | A |
| XXX | XXX | 304827635 | XXX-11614 | 10/27/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 10/27/2025 | A |
| XXX | XXX | 304862113 | XXX-11616 | 10/27/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 10/27/2025 | A |
| XXX | XXX | 304868287 | XXX-11638 | 10/27/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 10/27/2025 | A |
| XXX | XXX | 304844326 | XXX-11639 | 10/27/2025 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | XXX Title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived | XXX: Waived via overlay | DSCR XXX FICO XXX months reserves | Acknowledged | 10/27/2025 | B |
| XXX | XXX | 304868115 | XXX-11650 | 10/27/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 10/27/2025 | A |
| XXX | XXX | 304854852 | XXX-11658 | 10/28/2025 | Property | Appraisal Review | Appraisal Review - Missing | Missing appraisal review for subject property: XXX | XX/XX/XXXX: CDA | XXX: Received |  | Cleared | 10/31/2025 | D A |
| XXX | XXX | 304855034 | XXX-11665 | 10/28/2025 | Credit | Title or Lien | Title Insurance Missing or Defective | Provided title insurance is a preliminary policy with no coverage amount and mortgagee clause. Please provide a title supplement with ISAOA and coverage amount to meet guideline requirements. | XX/XX/XXXX: Waived | XXX: Waived via overlay | FICO XXX months reserves, XXX | Acknowledged | 10/28/2025 | B |
| XXX | XXX | 304872149 | XXX-11669 | 10/28/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 10/28/2025 | A |
| XXX | XXX | 304862319 | XXX-11672 | 10/28/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 10/28/2025 | A |
| XXX | XXX | 304849259 | XXX-11674 | 10/28/2025 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | XXX Title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived | XXX: Waived via overlay | FICO XXX DSCR XXX | Acknowledged | 10/28/2025 | B |
| XXX | XXX | 304840829 | XXX-11685 | 10/28/2025 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | XXX Title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived | XXX: Waived via overlay | DSCR XXX FICO XXX months reserves | Acknowledged | 10/28/2025 | B |
| XXX | XXX | 304871436 | XXX-11686 | 10/29/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 10/29/2025 | A |
| XXX | XXX | 304849260 | XXX-11699 | 10/29/2025 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | XXX Title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived | XXX: Waived via overlay | DSCR XXX months reserves, FICO XXX | Acknowledged | 10/29/2025 | B |
| XXX | XXX | 304854852 | XXX-11701 | 10/28/2025 | Credit | Debt Service Coverage Ratio Eligibility | DSCR Minimum Not Met | Audit DSCR of XXX does not align with client DSCR of XXX. Monthly breakdown: XXX income / XXX P&I + XXX Taxes + XXX Insurance + $XXX. Please opine. | XX/XX/XXXX XXX: XXX does agree that the rental income should be XX/XX/XXXX changing the DSCR to XX/XX/XXXX | XXX: Confirmed DSCR XX/XX/XXXX |  | Cleared | 10/30/2025 | C A |
| XXX | XXX | 304868242 | XXX-11706 | 10/29/2025 | Credit | Hazard Insurance | Hazard Insurance Missing or Defective | Provided hazard insurance declarations page is not for subject property. Please provide the declarations page for subject property : XXX | XX/XX/XXXX XXX: please see attached | XXX: Received |  | Cleared | 10/30/2025 | D A |
| XXX | XXX | 304852952 | XXX-11707 | 10/29/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 10/29/2025 | A |
| XXX | XXX | 304869206 | XXX-11713 | 10/29/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 10/29/2025 | A |
| XXX | XXX | 304865128 | XXX-11714 | 10/29/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required. | XX/XX/XXXX: Waived | XXX: Waived via overlay | DSCR XXX FICO XXX LTV 54.93% | Acknowledged | 10/29/2025 | B |
| XXX | XXX | 304828417 | XXX-11718 | 10/29/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 10/29/2025 | A |
| XXX | XXX | 304820304 | XXX-11720 | 10/29/2025 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | XXX Title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived | XXX: Waived via overlay | DSCR XXX FICO XXX months reserves | Acknowledged | 10/29/2025 | B |
| XXX | XXX | 304869199 | XXX-11721 | 10/29/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 10/29/2025 | A |
| XXX | XXX | 304872532 | XXX-11722 | 10/29/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 10/29/2025 | A |
| XXX | XXX | 304846904 | XXX-11725 | 10/29/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 10/29/2025 | A |
| XXX | XXX | 304846911 | XXX-11726 | 10/29/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 10/29/2025 | A |
| XXX | XXX | 304852950 | XXX-11729 | 10/29/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 10/29/2025 | A |
| XXX | XXX | 304874310 | XXX-11730 | 10/29/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 10/29/2025 | A |
| XXX | XXX | 304866790 | XXX-11731 | 10/29/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 10/29/2025 | A |
| XXX | XXX | 304871412 | XXX-11734 | 10/29/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 10/29/2025 | A |
| XXX | XXX | 304856468 | XXX-11735 | 10/29/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 10/29/2025 | A |
| XXX | XXX | 304873985 | XXX-11741 | 10/30/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 10/30/2025 | A |
| XXX | XXX | 304849338 | XXX-11745 | 10/30/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 10/30/2025 | A |
| XXX | XXX | 304873097 | XXX-11759 | 10/31/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 10/31/2025 | A |
| XXX | XXX | 304872530 | XXX-11771 | 10/31/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 10/31/2025 | A |
| XXX | XXX | 304870081 | XXX-11778 | 10/31/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 10/31/2025 | A |
| XXX | XXX | 304862129 | XXX-11783 | 10/31/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 10/31/2025 | A |
| XXX | XXX | 304866787 | XXX-11785 | 10/31/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 10/31/2025 | A |
| XXX | XXX | 304860667 | XXX-11791 | 10/31/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 10/31/2025 | A |
| XXX | XXX | 304860682 | XXX-11792 | 10/31/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 10/31/2025 | A |
| XXX | XXX | 304871976 | XXX-11795 | 11/3/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived via overlay | XXX: Waived via overlay | DSCR XXX FICO XXX months reserves | Acknowledged | 11/3/2025 | B |
| XXX | XXX | 304841505 | XXX-11801 | 11/3/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/3/2025 | A |
| XXX | XXX | 304878900 | XXX-11802 | 11/3/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/3/2025 | A |
| XXX | XXX | 304871410 | XXX-11804 | 11/3/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/3/2025 | A |
| XXX | XXX | 304858950 | XXX-11806 | 11/3/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/3/2025 | A |
| XXX | XXX | 304855030 | XXX-11813 | 11/3/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/3/2025 | A |
| XXX | XXX | 304874109 | XXX-11815 | 11/3/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/3/2025 | A |
| XXX | XXX | 304843768 | XXX-11818 | 11/3/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/3/2025 | A |
| XXX | XXX | 304873912 | XXX-11824 | 11/3/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/3/2025 | A |
| XXX | XXX | 304852317 | XXX-11826 | 11/3/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/3/2025 | A |
| XXX | XXX | 304855022 | XXX-11830 | 11/3/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/3/2025 | A |
| XXX | XXX | 304846866 | XXX-11832 | 11/3/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived via overlay | XXX: Waived via overlay | DSCR XXX FICO XXX months reserves | Acknowledged | 11/3/2025 | B |
| XXX | XXX | 304869198 | XXX-11833 | 11/3/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/3/2025 | A |
| XXX | XXX | 304855028 | XXX-11838 | 11/4/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/4/2025 | A |
| XXX | XXX | 304845641 | XXX-11846 | 11/4/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/4/2025 | A |
| XXX | XXX | 304869251 | XXX-11853 | 11/4/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX Title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived via overlay | XXX: Waived via overlay | DSCR XXX FICO XXX months reserves | Acknowledged | 11/4/2025 | B |
| XXX | XXX | 304871986 | XXX-11854 | 11/4/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/4/2025 | A |
| XXX | XXX | 304865056 | XXX-11856 | 11/4/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/4/2025 | A |
| XXX | XXX | 304843756 | XXX-11862 | 11/4/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/4/2025 | A |
| XXX | XXX | 304845377 | XXX-11877 | 11/4/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/4/2025 | A |
| XXX | XXX | 304869188 | XXX-11901 | 11/4/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/4/2025 | A |
| XXX | XXX | 304874526 | XXX-11902 | 11/4/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/4/2025 | A |
| XXX | XXX | 304845384 | XXX-11910 | 11/5/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/5/2025 | A |
| XXX | XXX | 304868244 | XXX-11917 | 11/5/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/5/2025 | A |
| XXX | XXX | 304779784 | XXX-48 | 9/2/2025 | Property | Debt Service Coverage Ratio Documentation | Subject Property Lease - Missing or Defective | Missing lease agreeement for unit XXX of subject property: XXX | XX/XX/XXXX: lease | XXX: Received |  | Cleared | 9/22/2025 | D A |
| XXX | XXX | 304779639 | XXX-77 | 9/8/2025 | Property | Appraisal Documentation | Subject Property Lease - Missing or Defective | Subject property is vacant which is ineligible per guides. Single family properties must be leased at the time of closing. | XX/XX/XXXX: lease agreement | XXX: Evidence of recent renovations received |  | Cleared | 9/24/2025 | C A |
| XXX | XXX | 304779741 | XXX-142 | 9/9/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 9/9/2025 | A |
| XXX | XXX | 304824829 | XXX-173 | 9/15/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 9/15/2025 | A |
| XXX | XXX | 304749883 | 9810426004 | 8/13/2025 | Credit | Credit Eligibility | Credit Event – Requirement Not Met | Guarantor: XXX has XXX mortgage XXX day late within the past XXX months; dated XX/XX/XXXX | XX/XX/XXXX: Please waive and refer to supporting LOE. Client had an issue due to servicing transfer. Client owns XXX rentals and has $XXX liquidity in their retirement account. Additionally, we verified the actual transfer (see second attachment from XXX to XXX) and XXX most recent months of payments not missed. | XXX: Exception approval received | FICO XXX experienced investor, XXX months reserves | Acknowledged | 8/21/2025 | C B |
| XXX | XXX | 304848540 | 9895289366 | 8/25/2025 | Credit | Insurance | Hazard Insurance Missing or Defective | Missing rent loss coverage on hazard insurance | uploaded | XXX: Received |  | Cleared | 9/22/2025 | C A |
| XXX | XXX | 304848529 | 10075936149 | 9/17/2025 | Credit | Borrower Requirements Not Met | Entity Documentation - Missing or Defective | XXX (XXX% owner of XXX) not guarenteeing the loan. All loans should have executed personal guarantees by XXX% of the entity's ownership. | Waive - based on approval from management. Compensating factors include: XXX.) Guaranteeing member has XXX fico. XXX.) DSCR of XXX. | XXX: Exception approval received | DSCR XXX FICO XXX months reserves | Acknowledged | 10/2/2025 | C B |
| XXX | XXX | 304848518 | 10053949239 | 9/15/2025 | Credit | Borrower Requirements Not Met | Entity Documentation - Missing or Defective | Missing operating agreement for XXX to prove ownership of borrowing entity. | XX/XX/XXXX: This sponsor utilizes layered entities, with various passive investors. We do not require documentation beyond our borrowing entity (the single asset LLC). Our loan is guaranteed by the active participant in the transaction. We have originated, cleared diligence and sold many of these loans to date all with this structure. The borrowers typically set up single property LLCs, with the same layered entities behind them. Please waive. | XXX: Waived | FICO XXX Repeat client, no DQs | Acknowledged | 9/17/2025 | C B |
| XXX | XXX | 304848518 | 10053950936 | 9/15/2025 | Credit | Closing Documentation | Closing Disclosure/Settlement Statement Missing or Defective | Settlement Statement shows lender only collecting XXX month worth of Property Taxes in the amount of XXX Lender needs to collect escrows at closing that equal the sum of XXX months of taxes per guidelines. | XX/XX/XXXX:pls waive XXX fico and repeat clients of ours $XXX in loans with no DQs | XXX: Waived | FICO XXX Repeat client, no DQs | Acknowledged | 9/17/2025 | C B |
| XXX | XXX | 304848512 | 10076459484 | 9/17/2025 | Credit | Borrower Requirements Not Met | Entity Documentation - Missing or Defective | Missing operating agreement for XXX to prove ownership of borrowing entity. | XX/XX/XXXX: - XXX - XX/XX/XXXX: This sponsor utilizes layered entities, with various passive investors. We do not require documentation beyond our borrowing entity (the single asset LLC). Our loan is guaranteed by the active participant in the transaction. We have originated, cleared diligence and sold many of these loans to date all with this structure. The borrowers typically set up single property LLCs, with the same layered entities behind them. Please waive. | XXX: Waived | FICO XXX Repeat client, no DQs | Acknowledged | 11/3/2025 | C B |
| XXX | XXX | 304848512 | 10076460783 | 9/17/2025 | Credit | Insurance | Hazard Insurance Missing or Defective | Insuffcient Rent Loss Coverage: XXX months of rent loss coverage using market rent of XXX is XXX Rent loss coverage on hazard insurance is XXX | XX/XX/XXXX: Uploaded | XXX: Uploaded |  | Cleared | 11/3/2025 | C A |
| XXX | XXX | 304754793 | 9870788429 | 8/21/2025 | Credit | Borrower Requirements Not Met | Guarantor Identification Missing or Defective | Guarantor: XXX has a expired ID, expired XX/XX/XXXX, note date XX/XX/XXXX | See attached Guarantor ID | XXX: Received |  | Cleared | 9/11/2025 | C A |
| XXX | XXX | 304758927 | EV24840 | 8/21/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 8/21/2025 | A |
| XXX | XXX | 304811703 | XXX-21 | 9/3/2025 | No Findings | No Findings | No Findings | The loan meets all the applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 9/3/2025 | A |
| XXX | XXX | 304728840 | XXX-76 | 7/2/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 7/2/2025 | A |
| XXX | XXX | 304876104 | FCRE8999 | 12/02/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/02/2025 | A |
| XXX | XXX | 304876104 | FPRO8998 | 12/02/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/02/2025 | A |
| XXX | XXX | 304876104 | FCOM8997 | 12/02/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/02/2025 | A |
| XXX | XXX | 304897433 | FCOM8997 | 11/26/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/26/2025 | A |
| XXX | XXX | 304897433 | FCRE8999 | 11/26/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/26/2025 | A |
| XXX | XXX | 304897433 | FPRO8998 | 11/26/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/26/2025 | A |
| XXX | XXX | 304892991 | FCRE0377 | 12/01/2025 | Credit | Data | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). Hazard policy does not cover the XXX and the replacement cost is missing. | XX/XX/XXXX XXX: XXX law prohibits us asking for RCE, see attached confirming loss settlement basis is replacement cost which is a sufficient alternative. | Documentation is sufficient. RCE explanation provided. Exception resolved. ; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated CLTV of 63.91% is less than Guideline CLTV of 63.91% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 63.91% is less than Guideline CCLTV of 63.91% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/01/2025 | C A |
| XXX | XXX | 304892991 | FCOM8997 | 11/26/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated CLTV of 63.91% is less than Guideline CLTV of 63.91% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 63.91% is less than Guideline CCLTV of 63.91% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/26/2025 | A |
| XXX | XXX | 304892991 | FPRO8998 | 11/26/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated CLTV of 63.91% is less than Guideline CLTV of 63.91% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 63.91% is less than Guideline CCLTV of 63.91% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/26/2025 | A |
| XXX | XXX | 304874108 | FCRE8999 | 11/26/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated CLTV of 63.91% is less than Guideline CLTV of 63.91% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 63.91% is less than Guideline CCLTV of 63.91% | Resolved | 11/26/2025 | A |
| XXX | XXX | 304874108 | FPRO8998 | 11/26/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated CLTV of 63.91% is less than Guideline CLTV of 63.91% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 63.91% is less than Guideline CCLTV of 63.91% | Resolved | 11/26/2025 | A |
| XXX | XXX | 304874108 | FCOM8997 | 11/26/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated CLTV of 63.91% is less than Guideline CLTV of 63.91% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 63.91% is less than Guideline CCLTV of 63.91% | Resolved | 11/26/2025 | A |
| XXX | XXX | 304889744 | FCOM1233 | 12/01/2025 | Credit | Missing Doc | The Final 1003 is Incomplete | The Final 1003 is Incomplete. Borrower was qualified with XXX months business bank Statements as XXX% owner of XXX. However, 1003 discloses no employment. | XX/XX/XXXX - XXX: The borrower's qualifying income of XXX was listed as other income. on the final loan application. The agreed upon guidelines between the lender and XXX requires the lender to enter the borrower's income as "other income" as opposed to employment income. | Documentation is sufficient. Explanation provided. Exception resolved. ; The Final 1003 is Present | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/01/2025 | D A |
| XXX | XXX | 304889744 | FCOM8997 | 11/25/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/25/2025 | A |
| XXX | XXX | 304889744 | FPRO8998 | 11/25/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/25/2025 | A |
| XXX | XXX | 304897369 | FCOM1851 | 12/03/2025 | Compliance | Disclosure | Incorrect rescission model used - RTC form model H-8 used for Same Lender or Lender Affiliate Refinance | Incorrect rescission model used - RTC form model H8 (New Creditor) used for Same Lender or Lender Affiliate Refinance Documentation required to clear exception: Incorrect Right to Cancel form was used. Right to cancel form H-XXX (New Lender) form was used and should have been H-XXX (Same Lender) form. In order to cure rescission needs to be re-opened with correct form and a PCCD, LOE, and proof of delivery is required. | XXX XX/XX/XXXX: Disagree, per XXX(f)(XXX): A refinancing or consolidation by the same creditor of an extension of credit already secured by the consumer's principal dwelling. The right of rescission shall apply, however, to the extent the new amount financed exceeds the unpaid principal balance, any earned unpaid finance charge on the existing debt, and amounts attributed solely to the costs of the refinancing or consolidation | No new money, H8 is acceptable; Exception resolved |  | Rescinded |  | A |
| XXX | XXX | 304897369 | FCRE8999 | 12/01/2025 | Credit | Data | No Credit Findings | No credit findings The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.91% is less than Guideline LTV of 63.91% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of 63.91% is less than Guideline CLTV of 28.75% | Resolved | 12/01/2025 | A |
| XXX | XXX | 304897369 | FPRO8998 | 12/01/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 28.75% is less than Guideline CLTV of 28.75% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated CLTV of 28.75% is less than Guideline CLTV of 28.75% | Resolved | 12/01/2025 | A |
| XXX | XXX | 304893697 | FCRE8999 | 11/26/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/26/2025 | A |
| XXX | XXX | 304893697 | FPRO8998 | 11/26/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/26/2025 | A |
| XXX | XXX | 304896378 | FCRE8999 | 12/02/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/02/2025 | A |
| XXX | XXX | 304896378 | FPRO8998 | 12/02/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/02/2025 | A |
| XXX | XXX | 304896378 | FCOM8997 | 12/02/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/02/2025 | A |
| XXX | XXX | 304889676 | FCOM1233 | 12/01/2025 | Credit | Missing Doc | The Final 1003 is Incomplete | The Final 1003 is Incomplete. Borrower was qualified with XXX months business bank Statements as XXX% owner of XXX. However, 1003 discloses no employment. | XX/XX/XXXX XXX: Please see attached document | Documentation is sufficient. Worksheet provided. Exception resolved. ; The Final 1003 is Present | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 28.75% is less than Guideline LTV of 28.75% \| XXX is Below the Guideline Maximum - Calculated LTV of 28.75% is less than Guideline LTV of 48.84% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/01/2025 | D A |
| XXX | XXX | 304889676 | FCRE2109 | 12/01/2025 | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | The income documentation type is XXX months bank Statements, which requires the lender's Income calculation worksheet to verify what deposits were excluded and included to determine it meets guidelines. However, the lenders income worksheet is missing. | XX/XX/XXXX XXX: Please see attached document | Documentation is sufficient. Lender worksheet provided. Exception resolved. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 48.84% is less than Guideline LTV of 48.84% \| XXX is Below the Guideline Maximum - Calculated LTV of 48.84% is less than Guideline LTV of 48.84% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/01/2025 | D A |
| XXX | XXX | 304889676 | FCOM8997 | 11/25/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 48.84% is less than Guideline LTV of 48.84% \| XXX is Below the Guideline Maximum - Calculated LTV of 48.84% is less than Guideline LTV of 48.84% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/25/2025 | A |
| XXX | XXX | 304889676 | FPRO8998 | 11/25/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 48.84% is less than Guideline LTV of 48.84% \| XXX is Below the Guideline Maximum - Calculated LTV of 48.84% is less than Guideline LTV of 48.84% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/25/2025 | A |
| XXX | XXX | 304889743 | FCOM8997 | 11/26/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/26/2025 | A |
| XXX | XXX | 304889743 | FPRO8998 | 11/26/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/26/2025 | A |
| XXX | XXX | 304889743 | FCRE8999 | 11/26/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/26/2025 | A |
| XXX | XXX | 304902329 | FCOM8997 | 12/01/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/01/2025 | A |
| XXX | XXX | 304902329 | FCRE8999 | 12/01/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/01/2025 | A |
| XXX | XXX | 304902329 | FPRO8998 | 12/01/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/01/2025 | A |
| XXX | XXX | 304877933 | FPRO8998 | 11/26/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/26/2025 | A |
| XXX | XXX | 304877933 | FCRE8999 | 11/26/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/26/2025 | A |
| XXX | XXX | 304878892 | FCRE8999 | 11/26/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of 48.84% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.84% is less than Guideline CLTV of 70% | Resolved | 11/26/2025 | A |
| XXX | XXX | 304878892 | FPRO8998 | 11/26/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of 47.62% is less than Guideline LTV of 47.62% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.62% is less than Guideline CLTV of 47.62% | Resolved | 11/26/2025 | A |
| XXX | XXX | 304878892 | FCOM8997 | 11/26/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of 47.62% is less than Guideline LTV of 47.62% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.62% is less than Guideline CLTV of 47.62% | Resolved | 11/26/2025 | A |
| XXX | XXX | 304905116 | FPRO8998 | 12/02/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/02/2025 | A |
| XXX | XXX | 304905116 | FCRE8999 | 12/02/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/02/2025 | A |
| XXX | XXX | 304893978 | FCRE8999 | 11/26/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/26/2025 | A |
| XXX | XXX | 304893978 | FPRO8998 | 11/26/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/26/2025 | A |
| XXX | XXX | 304893978 | FCOM8997 | 11/26/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/26/2025 | A |
| XXX | XXX | 304904554 | FCOM3849 | 12/04/2025 | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). The appraisal waiver was signed, but there is no confirmation a copy of the report was provided to the borrower at closing. Provide evidence when the report was received to confirm timing requirements were met. | XXX XX/XX/XXXX Disagree - Our Contract States that XXX will buy HPML as long as all the requirements were met as they were on this loan. Please see the attached documents which shows the borrower received the Appraisal on XX/XX/XXXX | Evidence of appraisal delivery provided. | XXX is Below the Guideline Maximum - Calculated LTV of 47.62% is less than Guideline CLTV of 47.62% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.62% is less than Guideline CCLTV of 47.62% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/04/2025 | B A |
| XXX | XXX | 304904554 | FCOM9186 | 12/04/2025 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Provide the e-consent dated on or prior to the earliest electronic signature XX/XX/XXXX. | XXX XX/XX/XXXX Please see attached e-sign consent disclosure | Evidence of eConsent is provided. | XXX is Below the Guideline Maximum - Calculated CLTV of 74.77% is less than Guideline CLTV of 74.77% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 74.77% is less than Guideline CCLTV of 74.77% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/04/2025 | B A |
| XXX | XXX | 304904554 | FCRE8999 | 12/02/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | XXX is Below the Guideline Maximum - Calculated CLTV of 74.77% is less than Guideline CLTV of 74.77% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 74.77% is less than Guideline CCLTV of 74.77% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/02/2025 | A |
| XXX | XXX | 304904554 | FPRO8998 | 12/02/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | XXX is Below the Guideline Maximum - Calculated CLTV of 74.77% is less than Guideline CLTV of 74.77% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 74.77% is less than Guideline CCLTV of 74.77% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/02/2025 | A |
| XXX | XXX | 304903230 | FCOM8997 | 12/03/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/03/2025 | A |
| XXX | XXX | 304903230 | FCRE8999 | 12/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/03/2025 | A |
| XXX | XXX | 304903230 | FPRO8998 | 12/03/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/03/2025 | A |
| XXX | XXX | 304898882 | FCOM3849 | 12/04/2025 | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (CLTV of 90%. Provide evidence the appraisal was delivered to the borrower a minimum of XXX business days prior to consummation XX/XX/XXXX. | XXX XX/XX/XXXX: Please see the attached // | Evidence of appraisal delivery provided. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/04/2025 | B A |
| XXX | XXX | 304898882 | FCOM9186 | 12/04/2025 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Missing Document - The eSigned documents consent is missing. | XXX XX/XX/XXXX: Please see the attached // | Evidence of eConsent is provided. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/04/2025 | B A |
| XXX | XXX | 304898882 | FCRE8999 | 12/02/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/02/2025 | A |
| XXX | XXX | 304898882 | FPRO8998 | 12/02/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/02/2025 | A |
| XXX | XXX | 304904448 | FCOM8997 | 12/03/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | XXX is Below the Guideline Maximum - Calculated CLTV of 74.77% is less than Guideline CLTV of 74.77% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 74.77% is less than Guideline CCLTV of 74.77% | Resolved | 12/03/2025 | A |
| XXX | XXX | 304904448 | FCRE8999 | 12/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | XXX is Below the Guideline Maximum - Calculated CLTV of 74.77% is less than Guideline CLTV of 74.77% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 74.77% is less than Guideline CCLTV of 74.77% | Resolved | 12/03/2025 | A |
| XXX | XXX | 304904448 | FPRO8998 | 12/03/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | XXX is Below the Guideline Maximum - Calculated CLTV of 74.77% is less than Guideline CLTV of 74.77% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 74.77% is less than Guideline CCLTV of 74.77% | Resolved | 12/03/2025 | A |
| XXX | XXX | 304904542 | FCRE8999 | 12/03/2025 | Credit | Data | No Credit Findings | No credit findings The loan meets all applicable credit guidelines. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.77% is less than Guideline LTV of 74.77% \| XXX is Below the Guideline Maximum - Calculated LTV of 74.77% is less than Guideline CLTV of 69.96% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/03/2025 | A |
| XXX | XXX | 304904542 | FCOM8997 | 12/03/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.96% is less than Guideline CLTV of 69.96% \| XXX is Below the Guideline Maximum - Calculated CLTV of 69.96% is less than Guideline CLTV of 69.96% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/03/2025 | A |
| XXX | XXX | 304904542 | FPRO8998 | 12/03/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.96% is less than Guideline CLTV of 69.96% \| XXX is Below the Guideline Maximum - Calculated CLTV of 69.96% is less than Guideline CLTV of 69.96% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/03/2025 | A |
| XXX | XXX | 304877929 | FCOM8997 | 11/26/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/26/2025 | A |
| XXX | XXX | 304877929 | FCRE8999 | 11/26/2025 | Credit | Data | No Credit Findings | NO CREDIT FINDINGS The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/26/2025 | A |
| XXX | XXX | 304877929 | FPRO8998 | 11/26/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/26/2025 | A |
| XXX | XXX | 304875126 | FCOM1233 | 12/03/2025 | Credit | Missing Doc | The Final 1003 is Incomplete | The Final 1003 is Incomplete. Borrower was qualified with XXX months business bank Statements as XXX% owner of LLC. However, 1003 discloses no employment. | XX/XX/XXXX MM: Since this does not fall under current employment/ self employment it would fall under 1E which is other income. Yes the borrower is qualified using XXX months bank Statement but It cannot not show this information on the 1003.; XX/XX/XXXX MM: This is a Bank Statement XXX Year Fixed loan. The borrower is using XXX months bank Statements for qualification from XXX. There is no employment to disclose since bank Statements are being used. | Documentation is sufficient. Explanation is acceptable. Exception resolved.; The Final 1003 is Present; The 1003 should reflect the self employment and % ownership, along with the company name from the bank Statements being used to calculate the income. Exception remains. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/03/2025 | D A |
| XXX | XXX | 304875126 | FPRO8998 | 11/25/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/25/2025 | A |
| XXX | XXX | 304875126 | FCOM8997 | 11/25/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/25/2025 | A |
| XXX | XXX | 304903223 | FCRE8999 | 12/02/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/02/2025 | A |
| XXX | XXX | 304903223 | FPRO8998 | 12/02/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/02/2025 | A |
| XXX | XXX | 304891041 | FCRE1479 | 12/01/2025 | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. Auditor unable to locate a Statement with XXX in assets, however guidelines allow reserves to be determined by AUS. AUS is missing from file. Assets to be reviewed upon receipt of AUS. | XX/XX/XXXX TT: borrower used their cash out proceeds as the required reserves on this loan | Documentation is sufficient. Assets not required. Exception resolved. ; Asset Record XXX Meets G/L Requirements; Asset Record XXX Does Not Meet G/L Requirements. | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/01/2025 | C A |
| XXX | XXX | 304891041 | FCRE1184 | 12/01/2025 | Credit | Missing Doc | AUS Not Provided | Missing AUS Loan approval/lock indicate AUS with approve/ineligible, however Auditor was unable to locate AUS within the file. | XX/XX/XXXX TT: loan was completed as a manual underwrite, so there is no AUS on this loan. Providing Approval letter showing the AUS used was Manual. | Documentation is sufficient. AUS not required. Exception resolved. ; AUS is not missing | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/01/2025 | D A |
| XXX | XXX | 304891041 | FCOM8997 | 11/26/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/26/2025 | A |
| XXX | XXX | 304891041 | FPRO8998 | 11/26/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/26/2025 | A |
| XXX | XXX | 304893853 | FCOM1233 | 12/03/2025 | Credit | Missing Doc | The Final 1003 is Incomplete | The Final 1003 is Incomplete. Borrower was qualified with XXX months business bank Statements as XXX% owner of LLC. However, 1003 discloses no employment. | XX/XX/XXXX MM: Since this does not fall under current employment/ self employment it would fall under 1E which is other income. Yes the borrower is qualified using XXX months bank Statement but It cannot not show this information on the 1003.; XX/XX/XXXX MM: XX/XX/XXXX MM: This is a Bank Statement XXX Year Fixed loan. The borrower is using XXX months bank Statements for qualification from XXX. There is no employment to disclose since bank Statements are being used. | Documentation is sufficient. Explanation is acceptable. Exception resolved.; The Final 1003 is Present; The 1003 should reflect the business ownership and source of the bank Statement income. Exception remains. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.96% is less than Guideline CLTV of 69.96% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated CLTV of 69.96% is less than Guideline CLTV of 69.96% | Resolved | 12/03/2025 | D A |
| XXX | XXX | 304893853 | FCOM8997 | 11/25/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.96% is less than Guideline CLTV of 69.96% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated CLTV of 69.96% is less than Guideline CLTV of 69.96% | Resolved | 11/25/2025 | A |
| XXX | XXX | 304893853 | FPRO8998 | 11/25/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.96% is less than Guideline CLTV of 69.96% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated CLTV of 69.96% is less than Guideline CLTV of 69.96% | Resolved | 11/25/2025 | A |
| XXX | XXX | 304891129 | FCOM8997 | 12/02/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/02/2025 | A |
| XXX | XXX | 304891129 | FCRE8999 | 12/02/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/02/2025 | A |
| XXX | XXX | 304891129 | FPRO8998 | 12/02/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/02/2025 | A |
| XXX | XXX | 304897265 | FCRE8999 | 12/02/2025 | Credit | Data | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.96% is less than Guideline LTV of 69.96% \| XXX is Below the Guideline Maximum - Calculated LTV of 69.96% is less than Guideline LTV of 68.6% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/02/2025 | A |
| XXX | XXX | 304897265 | FPRO8998 | 12/02/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated LTV of 68.6% is less than Guideline LTV of 68.6% \| XXX is Below the Guideline Maximum - Calculated LTV of 68.6% is less than Guideline LTV of 68.6% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/02/2025 | A |
| XXX | XXX | 304892935 | FCOM8997 | 12/01/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | HPML Compliant; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of 68.6% is less than Guideline CLTV of 68.6% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.6% is less than Guideline CCLTV of 68.6% | Resolved | 12/01/2025 | A |
| XXX | XXX | 304892935 | FCRE8999 | 12/01/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML Compliant; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated CLTV of 48.09% is less than Guideline CLTV of 48.09% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 48.09% is less than Guideline CCLTV of 48.09% | Resolved | 12/01/2025 | A |
| XXX | XXX | 304892935 | FPRO8998 | 12/01/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML Compliant; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated CLTV of 48.09% is less than Guideline CLTV of 48.09% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 48.09% is less than Guideline CCLTV of 48.09% | Resolved | 12/01/2025 | A |
| XXX | XXX | 304841652 | FCOM1206 | 10/17/2025 | Credit | Missing Doc | The Note is Missing | The Note is Missing. The Note is missing. |  | The Note is Present.; Document Uploaded. |  | Resolved | 10/17/2025 | D A |
| XXX | XXX | 304841652 | FPRO8998 | 09/11/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational |  | Resolved | 09/11/2025 | A |
| XXX | XXX | 304878868 | FCRE8999 | 12/01/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML Compliant; Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/01/2025 | A |
| XXX | XXX | 304878868 | FPRO8998 | 12/01/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML Compliant; Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/01/2025 | A |
| XXX | XXX | 304878868 | FCOM8997 | 12/01/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | HPML Compliant; Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/01/2025 | A |
| XXX | XXX | 304811631 | FCRE8611 | 10/22/2025 | Credit | Income/Employment | Income/Employment General | Borrower 2 employment with XXX terminated on XX/XX/XXXX before closing on XX/XX/XXXX and a new offer letter from XXX was provided. Lender qualified borrower using income from XXX, however, there is no documentation in the loan file for income to be earned from XXX to identify if a conservative approach was used to consider income. | Supporting docs | Verification of co-borrower's new salary provided. Condition cleared. | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/22/2025 | C A |
| XXX | XXX | 304811631 | FCRE1197 | 10/22/2025 | Credit | Eligibility | Audited FICO is less than Guideline FICO | Audited FICO of XXX is less than Guideline FICO of XXX.. XXX purchase criteria requires XXX minimum FICO. |  | Guidelines require primary wage earner to be utilized for qualifying. PWE FICO of XXX meets guidelines. Condition rescinded. |  | Rescinded |  | A |
| XXX | XXX | 304811631 | FCRE1193 | 10/22/2025 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Audit calculated income downwards to XXX from lender's XXX for Borrower 1 who receives funds from Business into Joint personal account. Audit excluded all cash deposits, transfers, deposit for co-owner of account and return deposits. The loan file does not contain an explanation of other deposits that exactly relate to business income from the Borrower's business. Only those with clear remarks were included as qualified deposits. | Supporting docs | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% Additional supporting income documentation provided to support inclusion of deposits and co-borrower's updated salary. Re-calculated DTI of XXX% meets guideline requirements. Condition cleared.; Audited DTI of XXX% exceeds Guideline DTI of XXX% Borrower's income recalculated as XXX per month based on XXX months bank Statements, dated XXX/XXX-XXX. | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/22/2025 | C A |
| XXX | XXX | 304811631 | FCRE1186 | 10/09/2025 | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% Audit calculated income downwards to XXX from lender's XXX for Borrower 1 who receives funds from Business into Joint personal account. Audit excluded all cash deposits, transfers, deposit for co-owner of account and return deposits. The loan file does not contain an explanation of other deposits that exactly relate to business income from the Borrower's business. Only those with clear remarks were included as qualified deposits. |  | Invalid finding. Loan was manually underwritten and DU approved DTI was not applicable. Condition rescinded.; Audited DTI of XXX% is less than or equal to AUS DTI of % |  | Rescinded |  | A |
| XXX | XXX | 304811631 | FCRE2109 | 10/07/2025 | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | - Missing Bank Statement income worksheet for Borrower 1 | Worksheet | Documentation provided is sufficient. Lender worksheet provided. Exception resolved. | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/07/2025 | D A |
| XXX | XXX | 304811631 | FCRE1195 | 09/10/2025 | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of 90% exceeds Guideline CLTV of 75%. XXX purchase criteria permits maximum LTV/CLTV/HLTV of 75%. |  | UW GL exception approved by investor. Finding downgraded/acknowledged. | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | C B |
| XXX | XXX | 304811631 | FCRE1196 | 09/10/2025 | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of 90% exceeds Guideline HCLTV of 75%. XXX purchase criteria permits maximum LTV of 90%. |  | UW GL exception approved by investor. Finding downgraded/acknowledged. | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | No C B |
| XXX | XXX | 304811631 | FCRE1194 | 09/10/2025 | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Audited LTV of 90% exceeds Guideline LTV of 75%. XXX purchase criteria permits maximum LTV/CLTV/HLTV of 75%. |  | UW GL exception approved by investor. Finding downgraded/acknowledged. | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | No C B |
| XXX | XXX | 304811631 | FPRO8998 | 08/19/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/19/2025 | A |
| XXX | XXX | 304902819 | FCOM8997 | 06/25/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.09% is less than Guideline LTV of 48.09% \| XXX is Below the Guideline Maximum - Calculated LTV of 48.09% is less than Guideline CLTV of 33.06% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 06/25/2025 | A |
| XXX | XXX | 304902819 | FPRO8998 | 06/25/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 33.06% is less than Guideline CLTV of 33.06% \| XXX is Below the Guideline Maximum - Calculated CLTV of 33.06% is less than Guideline CLTV of 33.06% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 06/25/2025 | A |
| XXX | XXX | 304902819 | FCRE1159 | 07/18/2025 | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. The Hazard Insurance Policy inception date is XX/XX/XXXX. The Note date is XX/XX/XXXX and the disbursement date on the Final CD is XX/XX/XXXX. | Document Uploaded. ; Document Uploaded. ; Document Uploaded. ; Document Uploaded. File officially disbursed on the XXX – because it recorded late on Friday. But prorations and funded all took place XX/XX/XXXX. Please see attached PCCD | Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided.; Email from Insurance agent States no additional charges added, Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. The Hazard Insurance Policy inception date is XX/XX/XXXX. Condition remains. ; The post closing CD provided shows a disbursement date of XX/XX/XXXX. The hazard insurance effective date is XX/XX/XXXX which is after the loan disbursed. This does not meet guidelines. Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. The Hazard Insurance Policy inception date is XX/XX/XXXX. The Note date is XX/XX/XXXX and the disbursement date on the Final CD is XX/XX/XXXX.; Received the pc CD with a disbursement date of XX/XX/XXXX. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 33.06% is less than Guideline CLTV of 33.06% \| XXX is Below the Guideline Maximum - Calculated CLTV of 33.06% is less than Guideline CLTV of 33.06% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 07/18/2025 | C A |
| XXX | XXX | 304902819 | FCRE7497 | 06/30/2025 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The PITIA was not found in the file for the second investment property listed on the Final 1003. | Document Uploaded. | PITIA verified on property for XXX. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 33.06% is less than Guideline CLTV of 33.06% \| XXX is Below the Guideline Maximum - Calculated CLTV of 33.06% is less than Guideline CLTV of 33.06% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 06/30/2025 | D A |
| XXX | XXX | 304764054 | FCRE8999 | 08/27/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 08/27/2025 | A |
| XXX | XXX | 304764054 | FPRO8998 | 08/27/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 08/27/2025 | A |
| XXX | XXX | 304764054 | finding-773 | 10/28/2025 | Compliance | Points & Fees | XXXX Threshold Loan Points and Fees Test | Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery.. The fees included in testing: Underwriting fee XXX Broker Fee XXX Third Party Processing Fee XXX Title - CPL fee XXX Title - email package fee XXX Title - Overnight/Delivery fee XXX Title - Recording Service Fee XXX Title - Settlement Fee XXX Title - Tax Service Fee XXX and Title - wire transfer fee $XXX. This loan failed the threshold loan points and fees test. (XXX Ord. XXX § XXX "Threshold loan" (XXX) he total points and fees of the mortgage exceed XXX% of the total XXX in the case that the XXX is XXX or greater, or XXX in the case that the XXX is less than XXX | Document Uploaded. Document uploaded.; Document Uploaded. ; Document Uploaded. | Cure package provided to the borrower; exception downgraded to a 2/B; The XXX Threshold Loan points and fee test defers to Regulation Z for the definition of finance charges and all items which meet that definition of finance charges are included in the points and fees calculation. ; Under the XXX ordinance the definition of points and fees includes all fees considered prepaid finance charges which is why the third party processing fee and several title charges were included: "Points and fees" means: XXX All items required to be disclosed under Sections XXX(a) and XXX(b) of Title XXX of the Code of Federal Regulations, as amended from time to time, except the XXX or time-price differential; | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Cured |  | C B |
| XXX | XXX | 304764054 | finding-3352 | 10/28/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR ##_CW_##, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML compliant | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/28/2025 | A |
| XXX | XXX | 304764054 | finding-4033 | 11/03/2025 | Compliance | ComplianceEase | Qualified Mortgage Safe Harbor Threshold | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. [[(12 CFR §1026.43(b)(4), (e)(1))]] This loan does not qualify for a safe harbor. The loan has an APR of XXX%. The APR threshold to qualify for a safe harbor is XXX% creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section igher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the XXX is set by XX/XX/XXXX or more percentage points for a first-lien covered transaction, or by XX/XX/XXXX or more percentage points for a subordinate-lien covered transaction. |  | non QM loan |  | Rescinded |  | A |
| XXX | XXX | 304735911 | FCRE8999 | 07/17/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 07/17/2025 | A |
| XXX | XXX | 304735911 | FPRO8998 | 07/17/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 07/17/2025 | A |
| XXX | XXX | 304735911 | finding-3352 | 07/17/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in §1026.19(e) some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 07/17/2025 | A |
| XXX | XXX | 304875918 | FCRE8999 | 08/25/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/25/2025 | A |
| XXX | XXX | 304875918 | FPRO8998 | 08/25/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/25/2025 | A |
| XXX | XXX | 304875918 | FCOM8997 | 08/25/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/25/2025 | A |
| XXX | XXX | 304844270 | FCOM8997 | 10/30/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | HPML compliant; Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/30/2025 | A |
| XXX | XXX | 304844270 | FCRE8999 | 10/30/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML compliant; Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/30/2025 | A |
| XXX | XXX | 304844270 | FPRO8998 | 10/30/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/30/2025 | A |
| XXX | XXX | 304757689 | FCRE1183 | 08/27/2025 | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | XXX provided discloses Borrower's Primary residence payment is total of XXX however per Final 1003 and documentation provided the monthly payment is $XXX. Figures disclosed on the Final 1003 do not match the XXX information. | Document Uploaded. | XXX provided; XXX provided | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 08/27/2025 | B A |
| XXX | XXX | 304757689 | FPRO8998 | 08/18/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 08/18/2025 | A |
| XXX | XXX | 304757689 | FCRE7497 | 09/15/2025 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing all pages of hazard insurance for primary residence confirming property if F&C. Hazard insurance provided is missing pages XXX-XXX. Also missing taxes and hazard insurance for OREO "XXX". | Document Uploaded. ; Document Uploaded. ; Document Uploaded. | Evidence of HOA fee for XXX. was received.; Received evidence of taxes and no HOA for XXX. Property detail report for XXX indicates property is free and clear. Missing evidence of HOA fee for XXX; Hazard policy provided for XXX, confirms premium and property not financed. Tax bill uploaded for this property was for a different property (XXX). There also is no documentation regarding whether or not there is an HOA on this property. In addition, the property report uploaded for XXX shows there was a $XXX mortgage with XXX as of XX/XX/XXXX, Final 1003 indicates property is free & clear. The property report also indicates it is a "planned area development" but no HOA was documented in file. For XXX, please provide the tax bill and confirmation of HOA. For XXX, please provide evidence property is owned fee & clear and verification of HOA. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/15/2025 | D A |
| XXX | XXX | 304875916 | FCRE8999 | 11/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML compliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/03/2025 | A |
| XXX | XXX | 304875916 | FPRO8998 | 11/03/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/03/2025 | A |
| XXX | XXX | 304875916 | finding-3652 | 11/12/2025 | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. [[(XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, copy of refund check, and proof of delivery or valid COC. The Lender credit decrease violation in the amount of XXX is due to the decrease of the Lender credit from XXX on the initial CD dated XX/XX/XXXX to XXX on the final CD dated XX/XX/XXXX without valid COC. | Document Uploaded. | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/12/2025 | C A |
| XXX | XXX | 304812617 | finding-3352 | 11/03/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR ##_DL_##(ii)) some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/03/2025 | A |
| XXX | XXX | 304812617 | FCRE8999 | 11/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML compliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/03/2025 | A |
| XXX | XXX | 304812617 | FPRO8998 | 11/03/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/03/2025 | A |
| XXX | XXX | 304817971 | FCOM2295 | 10/24/2025 | Compliance | State Reg | 7 Tex. Admin. Code §153.45 50(f)(2)(d) - Texas F2 Notice for Non Home Equity Disclosure not provided at least 12-days prior to consummation date | 7 Tex. Admin. Code §153.45 50(f)(2)(d) - Texas F2 Notice for Non-Home Equity Disclosure not provided at least XXX-days prior to consummation date. The disclosure was dated XX/XX/XXXX and the Note was dated XX/XX/XXXX. Provide evidence the TX F2 Notice was sent to the borrower a minimum of XXX days prior to closing. | Document Uploaded. | 7 Tex. Admin. Code §153.45 50(f)(2)(d) - Texas F2 Notice for Non-Home Equity Disclosure was provided at least XXX-days prior to consummation date or Not Applicable. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 33.06% is less than Guideline LTV of 33.06% \| XXX is Below the Guideline Maximum - Calculated LTV of 33.06% is less than Guideline LTV of 32.1% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/24/2025 | C A |
| XXX | XXX | 304817971 | FCOM1284 | 10/24/2025 | Compliance | Disclosure | Texas F2 Notice for Home Equity Disclosure Not Provided Within 3 Days of Application Date or 12 Days of Closing Date | 7 Tex. Admin. Code §153.45 50(f)(2)(d) - Texas F2 Notice for Non-Home Equity Disclosure not provided within XXX-days of XXX. The disclosure was dated XX/XX/XXXX and the application was dated XX/XX/XXXX. Provide evidence the TX F2 Notice was sent to the borrower a minimum of XXX days prior to closing. | Document Uploaded. | 7 Tex. Admin. Code §153.45 50(f)(2)(d) - XXX F2 Notice for Non-Home Equity Disclosure was provided within XXX-days of XXX or Not Applicable | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 32.1% is less than Guideline LTV of 32.1% \| XXX is Below the Guideline Maximum - Calculated LTV of 32.1% is less than Guideline LTV of 32.1% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/24/2025 | C A |
| XXX | XXX | 304817971 | FCRE1491 | 10/07/2025 | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The subject loan is a rate and term refinance. The Borrower was required to bring XXX to closing. The loan file includes a check written to the Title Company for XXX but a bank Statement was not included in the loan file to verify the required funds at closing. | Document Uploaded. | Asset Qualification Meets Guideline Requirements; A bank Statement from borrower with balance of XXX was provided. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 32.1% is less than Guideline LTV of 32.1% \| XXX is Below the Guideline Maximum - Calculated LTV of 32.1% is less than Guideline LTV of 32.1% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/07/2025 | C A |
| XXX | XXX | 304817971 | FPRO8998 | 09/16/2025 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 32.1% is less than Guideline LTV of 32.1% \| XXX is Below the Guideline Maximum - Calculated LTV of 32.1% is less than Guideline LTV of 32.1% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/16/2025 | A |
| XXX | XXX | 304844104 | FCRE2900 | 11/07/2025 | Credit | Missing Doc | Borrower Non-US Citizen Identification Document Missing | Non US Citizen Borrower is missing Identification Document. Non US Citizen Borrower is missing Identification Document. | Document Uploaded. ; Document Uploaded. | Borrower Identification Document provided.; A valid employment authorization document for the borrower was received. ; Verification of the borrower's SSN was uploaded. However, GLs requires a copy of the green card (I-XXX) or resident alien card (I-XXX) as proof of residency status. Please provide one of those documents. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/07/2025 | D A |
| XXX | XXX | 304844104 | FPRO8998 | 09/23/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/23/2025 | A |
| XXX | XXX | 304844104 | FCOM8997 | 09/23/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | HPML compliant; Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/23/2025 | A |
| XXX | XXX | 304844070 | finding-3352 | 10/13/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR ##_DL_##(ii)) some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  | HPML compliant | XXX is Below the Guideline Maximum - Calculated LTV of 32.1% is less than Guideline CLTV of 32.1% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 32.1% is less than Guideline CCLTV of 32.1% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/13/2025 | A |
| XXX | XXX | 304844070 | FCRE8999 | 10/13/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML compliant; Cleared | XXX is Below the Guideline Maximum - Calculated CLTV of 64.82% is less than Guideline CLTV of 64.82% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 64.82% is less than Guideline CCLTV of 64.82% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/13/2025 | A |
| XXX | XXX | 304844070 | FPRO9990 | 10/16/2025 | Property | Third Party Valuation | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The file contains XXX UCDP reports for CU score. Two reports are dated XXX and XXX with CU scores of XXX. However, the most recent UCDP report dated XXX reflects a score of XX/XX/XXXX which requires a third party valuation which has not been provided. | The Score was XXX on the original appraisal reviewed. The last SSR had nothing changed in the appraisal except the appraiser comments and the last score is stating it is because of appraisal quality issues due to the changes and comments. | Third party valuation product provided within tolerance.; According to the lender, the Score was XXX on the original appraisal reviewed. The last SSR had nothing changed in the appraisal except the appraiser comments and the last score is stating it is because of appraisal quality issues due to the changes and comments. Lender validates the CU score of XXX | XXX is Below the Guideline Maximum - Calculated CLTV of 64.82% is less than Guideline CLTV of 64.82% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 64.82% is less than Guideline CCLTV of 64.82% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/16/2025 | C A |
| XXX | XXX | 304875904 | FCRE7497 | 11/11/2025 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Please provide verification of the Borrower's primary residence PITI. The mortgage Statement indicates a payment of XXX which included the escrowed taxes and insurance. However, the Final 1003 indicates a monthly payment of $XXX. The Property Details Report and appraisal did not indicate any HOA dues. Please verify which payment, either the mortgage Statement of XXX or the Final 1003 payment of XXX is accurate. | Document Uploaded. | Client uploaded updated 1003 with higher PITI for primary which keeps the loan conservative and consistent. Resolved manually due to manual condition. | XXX is Below the Guideline Maximum - Calculated CLTV of 64.82% is less than Guideline CLTV of 64.82% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 64.82% is less than Guideline CCLTV of 64.82% | Resolved | 11/11/2025 | D A |
| XXX | XXX | 304875904 | FPRO8998 | 11/03/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | XXX is Below the Guideline Maximum - Calculated CLTV of 64.82% is less than Guideline CLTV of 64.82% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 64.82% is less than Guideline CCLTV of 64.82% | Resolved | 11/03/2025 | A |
| XXX | XXX | 304844051 | FCRE8999 | 10/09/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML compliant; Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/09/2025 | A |
| XXX | XXX | 304844051 | FPRO8998 | 10/09/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/09/2025 | A |
| XXX | XXX | 304844051 | FCOM8997 | 10/09/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | HPML compliant; Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/09/2025 | A |
| XXX | XXX | 304875902 | FCRE9500 | 11/17/2025 | Credit | Missing Doc | Missing Letter of Explanation (Assets) | The subject loan used a joint account for funds to close. The access to funds letter for the account ending in XXX was not found in the loan file. Without access to this account only XXX% of the value could be used which would make the subject loan short funds to close. | Document Uploaded. | ; Client provided Access Letter - Condition resolved. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/17/2025 | D A |
| XXX | XXX | 304875902 | FCRE1193 | 11/17/2025 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Lender income XXX Audit income XXX based on YTD income. The DTI increased from XXX% to XXX%. | Document Uploaded. Please note the employer changed the pay structure and had the borrower on XXX for the period specified in his letter. The income from the XXX is shown as commission on the written VOE. Thank you! | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; Client provided evidence to support sufficient income to qualify. Income provided exceeds what's used to qualify. Income condition resolved. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/17/2025 | C A |
| XXX | XXX | 304875902 | FCOM8997 | 11/06/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | HPML compliant; Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/06/2025 | A |
| XXX | XXX | 304875902 | FPRO8998 | 11/06/2025 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/06/2025 | A |
| XXX | XXX | 304875902 | FCRE9068 | 11/17/2025 | Credit | Eligibility | Borrower does not meet residual income requirement | Residual income of XXX does not meet guideline minimum of XXX The subject loan Lender Guideline requires XXX in residual income for a family of three, the actual residual income is $XXX. | Document Uploaded. Please note the employer changed the pay structure and had the borrower on XXX for the period specified in his letter. The income from the XXX is shown as commission on the written VOE. Thank you! | Residual Income meets guideline minimum. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/17/2025 | C A |
| XXX | XXX | 304859710 | FCOM8997 | 10/20/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | HPML compliant; Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/20/2025 | A |
| XXX | XXX | 304859710 | FCRE8999 | 10/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML compliant; Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/20/2025 | A |
| XXX | XXX | 304859710 | FPRO8998 | 10/20/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/20/2025 | A |
| XXX | XXX | 304859701 | FCOM8997 | 10/20/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | HPML compliant; Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/20/2025 | A |
| XXX | XXX | 304859701 | FCRE8999 | 10/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML compliant; Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/20/2025 | A |
| XXX | XXX | 304859701 | FPRO8998 | 10/20/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/20/2025 | A |
| XXX | XXX | 304859697 | finding-3352 | 10/27/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR ##_DL_##(ii)) some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant |  | Resolved | 10/27/2025 | A |
| XXX | XXX | 304859697 | FCRE8999 | 10/27/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML compliant; Cleared |  | Resolved | 10/27/2025 | A |
| XXX | XXX | 304859697 | FPRO8998 | 10/27/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared |  | Resolved | 10/27/2025 | A |
| XXX | XXX | 304859686 | finding-2962 | 10/20/2025 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/20/2025 | A |
| XXX | XXX | 304859686 | finding-3352 | 10/20/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR ##_DL_##(ii)) some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/20/2025 | A |
| XXX | XXX | 304859686 | FCRE8999 | 10/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML compliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/20/2025 | A |
| XXX | XXX | 304859686 | FPRO8998 | 10/20/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/20/2025 | A |
| XXX | XXX | 304843976 | finding-3634 | 10/20/2025 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | TILA 130b Cure required: Cure of XXX required for addition of Pest Inspection fee to Final CD without COC. Cure requires PCCD, LOE, copy of refund check, and proof of mailing. This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to 12 CFR ##_DL_##(ii)) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Cured |  | C B |
| XXX | XXX | 304843976 | FCRE8999 | 10/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML compliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/07/2025 | A |
| XXX | XXX | 304843976 | FPRO8998 | 10/07/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/07/2025 | A |
| XXX | XXX | 304843976 | finding-3635 | 10/12/2025 | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR ##_DL_##(ii))]] The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Recording Fee increased by XXX on the final CD XXX/XXX. Please provide a valid COC or PCCD, lox, refund of XXX and proof of borrower receipt to bring the amount within tolerance. | Document Uploaded. | Lender confirmed recording fees included transfer taxes, moved the transfer taxes to the correct category; exception resolved; Lender confirmed recording fees included transfer taxes, moved the transfer taxes to the correct category; exception resolved | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/12/2025 | C A |
| XXX | XXX | 304859669 | FCRE1193 | 11/10/2025 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% The Borrwers own XXX businesses which are both involved in real eState investment and flipping. They used the XXX monh bank statment program ato qualify. The Lender used XXX per Borrower for the account ending in XXX Audit used $XXX per borrower. Per the Tax Preparer Letter the expense ratio is XXX% Lender worksheet reflects expense ratio of XXX% The Lender S/E Questionnaire States CPA Letters will not be accepted for a lower expense ratio and list the minimum expense ratio at XXX% The second bank Statement used to qualify ends in XXX The Lender used XXX to qualify, Audit used XXX based on an expens factor of XXX% based on the Lender S/E Questionnaire. The DTI increased from XXX% to XXX%. | While the questionnaire indicates that CPA letters will not be accepted to support a lower expense ratio, our guidance allows for documented CPA-prepared expense ratios to be used when properly substantiated. Therefore, we can proceed with applying the lower expense ratio as outlined in the CPA letter, overriding the lender's minimum expense threshold. Please advise, thank you! | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; Lender validates, while the questionnaire indicates that CPA letters will not be accepted to support a lower expense ratio, our guidance allows for documented CPA-prepared expense ratios to be used when properly substantiated. Therefore, we can proceed with applying the lower expense ratio as outlined in the CPA letter, overriding the lender's minimum expense threshold. DTI is within guidelines. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/10/2025 | C A |
| XXX | XXX | 304859669 | FCOM8997 | 11/03/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | HPML compliant; Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/03/2025 | A |
| XXX | XXX | 304859669 | FPRO8998 | 11/03/2025 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/03/2025 | A |
| XXX | XXX | 304859665 | finding-2623 | 10/20/2025 | Compliance | Points & Fees | MD COMAR Higher-Priced Mortgage Loan Test | This loan failed the MD COMAR higher-priced mortgage loan test. (Maryland COMAR 09030602B(XXX), COMAR 09030902B(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (COMAR) hile the XXX COMAR provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant - Escrowed and appraisal delivered within XXX business days of closing |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/20/2025 | A |
| XXX | XXX | 304859665 | FPRO8998 | 10/20/2025 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/20/2025 | A |
| XXX | XXX | 304859665 | FCRE7375 | 10/22/2025 | Credit | Borrower | Citizenship Does Not Meet Guideline Requirements | The subject loan Final 1003 reflects that the Borrower is a Non-Permanent Resident Alien. The identification provided in the loan file expired on XX/XX/XXXX, the Note date is XX/XX/XXXX. | This is an ITIN loan, ID is ok to be expired per guidelines, please rescind condition. | ITIN letter issued by IRS is present in file page XXX |  | Rescinded |  | A |
| XXX | XXX | 304875900 | finding-3352 | 11/18/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in §2948.5) some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML with established escrows and appraisal requirements met. |  | HPML compliant | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/18/2025 | A |
| XXX | XXX | 304875900 | FCRE8999 | 11/18/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML compliant; Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/18/2025 | A |
| XXX | XXX | 304875900 | FPRO8998 | 11/18/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/18/2025 | A |
| XXX | XXX | 304859659 | finding-2962 | 10/16/2025 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/16/2025 | A |
| XXX | XXX | 304859659 | finding-3352 | 10/16/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in §2948.5) some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/16/2025 | A |
| XXX | XXX | 304859659 | FCRE8999 | 10/16/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML compliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/16/2025 | A |
| XXX | XXX | 304859659 | FPRO8998 | 10/16/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/16/2025 | A |
| XXX | XXX | 304859651 | finding-3352 | 10/23/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in §2948.5) some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML comliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/23/2025 | A |
| XXX | XXX | 304859651 | FCRE8999 | 10/23/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML comliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/23/2025 | A |
| XXX | XXX | 304859651 | FPRO8998 | 10/23/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML comliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/23/2025 | A |
| XXX | XXX | 304859651 | FCOM1659 | 10/28/2025 | Compliance | State Reg | Va. Code Ann. §6.2-422.1 - Tangible Net Benefit Disclosure, or worksheet when applicable, is missing or no evidence it was provided prior to or at consummation or unable to validate tangible net benefit criteria | Va. Code Ann. §6.2-422.1 - Tangible Net Benefit Disclosure or worksheet is missing or no evidence it was provided prior to or at consummation or unable to validate tangible net benefit criteria. Subject refinance is less than XXX months and evidence of tangible net benefit not present. | We were unable to locate a XXX statute under Va. Code § 6.2-422.1 addressing a tangible net benefit requirement. However, Va. Code § 6.2-1614(7) provides that a refinance within XXX months must be in the borrower's best interest. In this case, the loan was a rate-and-term refinance in which the borrower brought funds to closing, reduced the principal balance, and lowered the monthly payment amount. While a separately labeled worksheet is not present, the closing documentation supports a tangible borrower benefit consistent with XXX best-interest standard. Please clear | Tangible Net Benefit Disclosure or worksheet was provided prior to or at consummation. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/28/2025 | C A |
| XXX | XXX | 304871922 | FCOM8997 | 11/03/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | HPML compliant; Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/03/2025 | A |
| XXX | XXX | 304871922 | FCRE8999 | 11/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML compliant; Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/03/2025 | A |
| XXX | XXX | 304871922 | FPRO8998 | 11/03/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/03/2025 | A |
| XXX | XXX | 304843867 | FCRE9500 | 11/10/2025 | Credit | Missing Doc | Missing Letter of Explanation (Assets) | The Borrower used a joint account ending in XXX toward funds to close. The Lender Guideline States: If account has other names in addition to the borrower(s), a XXX% access letter and an LOE is required (this pertains to personal and business accounts; if a borrower owns a business XXX% no access letter is required, even if there are other names on the business account). The required documentation was not found in the loan file. | Document Uploaded. | Access letter for Acct # XXX was received. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/10/2025 | D A |
| XXX | XXX | 304843867 | finding-3352 | 10/27/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in §2948.5) some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/27/2025 | A |
| XXX | XXX | 304843867 | FPRO8998 | 10/27/2025 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/27/2025 | A |
| XXX | XXX | 304843864 | FPRO8998 | 10/14/2025 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/14/2025 | A |
| XXX | XXX | 304843864 | FCRE8999 | 10/14/2025 | Credit | Data | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  | HPML compliant; Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/14/2025 | A |
| XXX | XXX | 304875895 | finding-3352 | 11/10/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in §2948.5) some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. |  | HPML Compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/10/2025 | A |
| XXX | XXX | 304875895 | FCRE8999 | 11/10/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML Compliant; Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/10/2025 | A |
| XXX | XXX | 304875895 | FPRO8998 | 11/10/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML Compliant; Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/10/2025 | A |
| XXX | XXX | 304859636 | FVAL5981 | 10/28/2025 | Property | Property | Property Type does not meet eligibility requirement(s) | The subject property was purchased on XX/XX/XXXX for XXX according to the Property Details Report. The subject transaction XXX is XXX The Lender Guideline States: Along with the XXXs already listed under Ineligible XXXs, the following are also not eligible: Properties that are a "Flip" as defined below: § Seller acquired the property XXX or fewer days prior to the date of the consumer's agreement to acquire the property and the price in the consumer's agreement exceeds the seller's acquisition price by more than XXX% The subject property is a flip with a XXX over XXX% of the acquisition price. | Document Uploaded. Hi, per our UW - This is not a HPML Loan. There is no flip rule for non hpml loans for XX/XX/XXXX unit properties just under XX/XX/XXXX units this is required. | Confirmed per lender comments, This is not a HPML Loan. There is no flip rule for non hpml loans for XX/XX/XXXX unit properties just under XX/XX/XXXX units this is required. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/28/2025 | C A |
| XXX | XXX | 304859636 | FCRE8999 | 10/22/2025 | Credit | Data | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  | HPML compliant; Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/22/2025 | A |
| XXX | XXX | 304859636 | finding-3634 | 10/27/2025 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §2948.5) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation is due to an increase in Discount Points from XXX on the revised (locked) LE to XXX on the final CD. A rate reduction occurred; however, the file does not contain any documentation of when the pricing changed. | Document Uploaded. Hi, look like these were not uploaded. Loan was locked at XXX discount. Then there was a Rate changed from XXX to XXX. That is what cause the pricing changed. | Valid COC with applicable CD provided; exception resolved; Valid COC with applicable CD provided; exception resolved | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/27/2025 | C A |
| XXX | XXX | 304875894 | finding-2962 | 11/11/2025 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML compliant | XXX is Below the Guideline Maximum - Calculated CLTV of 64.82% is less than Guideline CLTV of 64.82% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 64.82% is less than Guideline CCLTV of 64.82% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/11/2025 | A |
| XXX | XXX | 304875894 | finding-3352 | 11/11/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in §2948.5) some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML compliant | XXX is Below the Guideline Maximum - Calculated CLTV of 64.82% is less than Guideline CLTV of 64.82% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 64.82% is less than Guideline CCLTV of 64.82% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/11/2025 | A |
| XXX | XXX | 304875894 | FCRE8999 | 11/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML compliant; Cleared | XXX is Below the Guideline Maximum - Calculated CLTV of 64.82% is less than Guideline CLTV of 64.82% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 64.82% is less than Guideline CCLTV of 64.82% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/11/2025 | A |
| XXX | XXX | 304875894 | FPRO8998 | 11/11/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | XXX is Below the Guideline Maximum - Calculated CLTV of 64.82% is less than Guideline CLTV of 64.82% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 64.82% is less than Guideline CCLTV of 64.82% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/11/2025 | A |
| XXX | XXX | 304871910 | finding-3352 | 10/23/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in §2948.5) some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML comliant | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/23/2025 | A |
| XXX | XXX | 304871910 | FCRE8999 | 10/23/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML comliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/23/2025 | A |
| XXX | XXX | 304871910 | FPRO8998 | 10/23/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML comliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/23/2025 | A |
| XXX | XXX | 304859607 | finding-2962 | 10/28/2025 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/28/2025 | A |
| XXX | XXX | 304859607 | finding-3352 | 10/28/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in §2948.5) some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/28/2025 | A |
| XXX | XXX | 304859607 | FCRE8999 | 10/28/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML compliant; Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/28/2025 | A |
| XXX | XXX | 304859607 | FPRO8998 | 10/28/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/28/2025 | A |
| XXX | XXX | 304859604 | finding-3352 | 11/04/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in §2948.5) some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant |  | Resolved | 11/04/2025 | A |
| XXX | XXX | 304859604 | FCRE8999 | 11/04/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML compliant; Cleared |  | Resolved | 11/04/2025 | A |
| XXX | XXX | 304859604 | FPRO8998 | 11/04/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared |  | Resolved | 11/04/2025 | A |
| XXX | XXX | 304859599 | FCRE1159 | 10/22/2025 | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. | Document Uploaded. Dry State funding. | Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided.; A Post close CD indicates the disbursement date as XX/XX/XXXX. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/22/2025 | C A |
| XXX | XXX | 304859599 | finding-3352 | 10/22/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in §2948.5) some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/22/2025 | A |
| XXX | XXX | 304859599 | FPRO8998 | 10/16/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/16/2025 | A |
| XXX | XXX | 304859599 | finding-3716 | 10/22/2025 | Compliance | State Reg | CA Per Diem Interest Amount Test | This loan failed the per diem interest amount test. (CA Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan XXX exceeds the per diem interest charge or credit threshold ($XXX) LEASE NOTE: An additional XXX buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. Final CD has a disbursement date of XX/XX/XXXX and loan consummation of XX/XX/XXXX. Please provide a PCCD and or final HUD to verify the actual loan disbursement date. | Document Uploaded. | PCCD provided; Exception resolved; PCCD provided; Exception resolved | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/22/2025 | C A |
| XXX | XXX | 304875886 | FCRE1342 | 11/14/2025 | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Borrower 1 Business Bank Statements Missing The Borrower qualified using the XXX month business bank Statement program. The months of XXX and XXX XXX were not found in the loan file. | Document Uploaded. | Borrower 1 Business Bank Statements Provided; Originally countered however found XXX Statements in other finding. Resolving condition. ; Client sent XXX XXX Statement however still missing XXX as requested. Counter. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/14/2025 | D A |
| XXX | XXX | 304875886 | FCRE1372 | 11/14/2025 | Credit | Missing Doc | Borrower 2 Business Bank Statements Missing | Borrower 2 Business Bank Statements Missing The Co-Borrower qualified using the XXX month business bank Statement program. The months of XXX and XXX XXX were not found in the loan file. | Document Uploaded. | Borrower 2 Business Bank Statements Provided or Not Applicable (Number of Borrowers equals XXX); Resolving conditions - XXX and XXX Statements provided. XXX listed above and XXX in other condition. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/14/2025 | D A |
| XXX | XXX | 304875886 | finding-3352 | 11/10/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in HLTV of 85% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  | HPML Compliant | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/10/2025 | A |
| XXX | XXX | 304875886 | FPRO8998 | 11/10/2025 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | HPML Compliant; Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/10/2025 | A |
| XXX | XXX | 304871900 | FCOM8997 | 10/25/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | hPML compliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/25/2025 | A |
| XXX | XXX | 304871900 | FCRE8999 | 10/25/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | hPML compliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/25/2025 | A |
| XXX | XXX | 304871900 | FPRO8998 | 10/25/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | hPML compliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/25/2025 | A |
| XXX | XXX | 304902792 | finding-3352 | 11/19/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in HLTV of 85% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/19/2025 | A |
| XXX | XXX | 304902792 | FCRE8999 | 11/19/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML compliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/19/2025 | A |
| XXX | XXX | 304902792 | FPRO8998 | 11/19/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/19/2025 | A |
| XXX | XXX | 304871885 | finding-3352 | 11/10/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in HLTV of 85% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. |  | HPML Compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.82% is less than Guideline CLTV of 64.82% \| XXX is Below the Guideline Maximum - Calculated CLTV of 64.82% is less than Guideline CLTV of 64.82% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/10/2025 | A |
| XXX | XXX | 304871885 | finding-2502 | 11/10/2025 | Compliance | Points & Fees | CT Nonprime Home Loan Test | This loan failed the CT nonprime home loan test he loan is a nonprime home loan, as defined in the legislation. For more information please see the XXX Nonprime Home Loan Article section of the full ComplianceAnalyzer report hile the XXX Nonprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy nonprime home loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. |  | HPML Compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.82% is less than Guideline CLTV of 64.82% \| XXX is Below the Guideline Maximum - Calculated CLTV of 64.82% is less than Guideline CLTV of 64.82% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/10/2025 | A |
| XXX | XXX | 304871885 | FCRE8999 | 11/10/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML Compliant; Cleared | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.82% is less than Guideline CLTV of 64.82% \| XXX is Below the Guideline Maximum - Calculated CLTV of 64.82% is less than Guideline CLTV of 64.82% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/10/2025 | A |
| XXX | XXX | 304871885 | FPRO8998 | 11/10/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML Compliant; Cleared | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.82% is less than Guideline CLTV of 64.82% \| XXX is Below the Guideline Maximum - Calculated CLTV of 64.82% is less than Guideline CLTV of 64.82% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/10/2025 | A |
| XXX | XXX | 304859580 | finding-3352 | 10/12/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in HLTV of 85% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML - Borrower received a copy of the appraisal and taxes & insurance were escrowed |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/12/2025 | A |
| XXX | XXX | 304859580 | finding-2623 | 10/12/2025 | Compliance | Points & Fees | MD COMAR Higher-Priced Mortgage Loan Test | This loan failed the MD COMAR higher-priced mortgage loan test. (Maryland COMAR 09030602B(XXX), COMAR 09030902B(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (COMAR) hile the XXX COMAR provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX HPML. Taxes and Insurance were escrowed. Borrower received copy of full interior appraisal. |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/12/2025 | A |
| XXX | XXX | 304859580 | FCRE8999 | 10/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML compliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/12/2025 | A |
| XXX | XXX | 304859580 | FPRO8998 | 10/12/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/12/2025 | A |
| XXX | XXX | 304875874 | finding-2962 | 11/04/2025 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | HPML is compliant This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.82% is less than Guideline CLTV of 64.82% \| XXX is Below the Guideline Maximum - Calculated CLTV of 64.82% is less than Guideline CLTV of 64.82% | Resolved | 11/04/2025 | A |
| XXX | XXX | 304875874 | finding-3352 | 11/04/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in HLTV of 85% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.82% is less than Guideline CLTV of 64.82% \| XXX is Below the Guideline Maximum - Calculated CLTV of 64.82% is less than Guideline CLTV of 64.82% | Resolved | 11/04/2025 | A |
| XXX | XXX | 304875874 | FPRO8998 | 10/30/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.82% is less than Guideline CLTV of 64.82% \| XXX is Below the Guideline Maximum - Calculated CLTV of 64.82% is less than Guideline CLTV of 64.82% | Resolved | 10/30/2025 | A |
| XXX | XXX | 304875874 | FCOM1233 | 11/05/2025 | Credit | Missing Doc | The Final 1003 is Incomplete | The Final 1003 is Incomplete The Final 1003 for each borrower is illegible, please provide a clear copy for review validation. | Document Uploaded. | The Final 1003 is Present; A legible 1003 application for both borrowers was received. | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.82% is less than Guideline CLTV of 64.82% \| XXX is Below the Guideline Maximum - Calculated CLTV of 64.82% is less than Guideline CLTV of 64.82% | Resolved | 11/05/2025 | D A |
| XXX | XXX | 304875874 | FCOM1544 | 11/05/2025 | Compliance | Missing Doc | TRID: Missing Closing Disclosure | TRID: Missing Final Closing Disclosure Documentation required: A final CD has been provided however it is not legible. Utilized HUD1 Settlement Statement for testing. Please provide a clean copy so compliance testing can be completed. | Document Uploaded. | TRID: Final Closing Disclosure Provided | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.82% is less than Guideline CLTV of 64.82% \| XXX is Below the Guideline Maximum - Calculated CLTV of 64.82% is less than Guideline CLTV of 64.82% | Resolved | 11/05/2025 | D A |
| XXX | XXX | 304875874 | finding-3634 | 11/04/2025 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to HLTV of 85% is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure required: Cure of XXX required for addition of appraisal re-inspection fee without a valid COC. Cure requires PCCD, LOE, copy of refund check, and proof of mailing, or valid COC. | Document Uploaded. | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.82% is less than Guideline CLTV of 64.82% \| XXX is Below the Guideline Maximum - Calculated CLTV of 64.82% is less than Guideline CLTV of 64.82% | Resolved | 11/04/2025 | C A |
| XXX | XXX | 304871866 | FCOM8997 | 10/30/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | HPML compliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.82% is less than Guideline LTV of 64.82% \| XXX is Below the Guideline Maximum - Calculated LTV of 64.82% is less than Guideline LTV of 66.67% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/30/2025 | A |
| XXX | XXX | 304871866 | FPRO8998 | 10/30/2025 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 66.67% is less than Guideline LTV of 66.67% \| XXX is Below the Guideline Maximum - Calculated LTV of 66.67% is less than Guideline LTV of 66.67% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/30/2025 | A |
| XXX | XXX | 304871866 | FCRE8999 | 10/30/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML compliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 66.67% is less than Guideline LTV of 66.67% \| XXX is Below the Guideline Maximum - Calculated LTV of 66.67% is less than Guideline LTV of 66.67% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/30/2025 | A |
| XXX | XXX | 304859551 | finding-3352 | 10/28/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in HLTV of 85% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/28/2025 | A |
| XXX | XXX | 304859551 | finding-2623 | 10/28/2025 | Compliance | Points & Fees | MD COMAR Higher-Priced Mortgage Loan Test | This loan failed the MD COMAR higher-priced mortgage loan test. (Maryland COMAR 09030602B(XXX), COMAR 09030902B(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (COMAR) hile the XXX COMAR provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/28/2025 | A |
| XXX | XXX | 304859551 | FCRE8999 | 10/28/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML compliant; Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/28/2025 | A |
| XXX | XXX | 304859551 | FPRO8998 | 10/28/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/28/2025 | A |
| XXX | XXX | 304875869 | FCOM8997 | 11/14/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | HPML compliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/14/2025 | A |
| XXX | XXX | 304875869 | FPRO8998 | 11/14/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/14/2025 | A |
| XXX | XXX | 304902785 | FCOM8997 | 11/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | HPML compliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 66.67% is less than Guideline CLTV of 66.67% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.67% is less than Guideline CCLTV of 66.67% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/05/2025 | A |
| XXX | XXX | 304902785 | FPRO8998 | 11/05/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 55.82% is less than Guideline LTV of 55.82% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.82% is less than Guideline CLTV of 55.82% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/05/2025 | A |
| XXX | XXX | 304902785 | FCRE8999 | 11/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML compliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 55.82% is less than Guideline LTV of 55.82% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.82% is less than Guideline CLTV of 55.82% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/05/2025 | A |
| XXX | XXX | 304875868 | finding-3352 | 11/04/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in HLTV of 85% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/04/2025 | A |
| XXX | XXX | 304875868 | FPRO8998 | 11/04/2025 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/04/2025 | A |
| XXX | XXX | 304875868 | FCRE8999 | 11/04/2025 | Credit | Data | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  | HPML compliant; Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/04/2025 | A |
| XXX | XXX | 304859512 | finding-2962 | 10/25/2025 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML downgraded |  | hPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/25/2025 | A |
| XXX | XXX | 304859512 | finding-3352 | 10/25/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in HLTV of 85% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML downgraded |  | hPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/25/2025 | A |
| XXX | XXX | 304859512 | FCRE8999 | 10/25/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | hPML compliant; Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/25/2025 | A |
| XXX | XXX | 304859512 | FPRO8998 | 10/25/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | hPML compliant; Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/25/2025 | A |
| XXX | XXX | 304871845 | FPRO8998 | 11/03/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/03/2025 | A |
| XXX | XXX | 304871845 | FCOM1220 | 11/04/2025 | Credit | Closing | The Deed of Trust is Missing | The Deed of Trust is Missing Please provide the Deed of Trust. | Document Uploaded. | The Deed of Trust is Present; A Deed of Trust for the subject property was provided. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/04/2025 | D A |
| XXX | XXX | 304871845 | finding-3652 | 11/05/2025 | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. [[(XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to HLTV of 85% is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required Refund in the amount of XXX Cure Package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower OR Valid COC. The Lender Credit violation is due the decrease in Lender Credit on the Final CD and no COC was found in the file explaining the reason for the decrease. Please provide a Valid COC or Cure Package | Document Uploaded. Hi, pricing changed due to Rate changed. | Valid COC provided; exception resolved; Valid COC provided; exception resolved | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/05/2025 | C A |
| XXX | XXX | 304871845 | finding-3634 | 11/05/2025 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to HLTV of 85% is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required Refund in the amount of XXX Cure Package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower OR Valid COC. The Zero tolerance violation is due the added Discount Points on the Final CD and the Appraisal Review Fee on the Initial CD and no COC was found in the file explaining the reason for the added and increased fee. Please provide a Valid COC or Cure Package | Document Uploaded. COC for appraisal Review. | Valid COC provided; exception resolved; Valid COC provided; exception resolved | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/05/2025 | C A |
| XXX | XXX | 304893344 | FCOM8997 | 11/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | HPML compliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/11/2025 | A |
| XXX | XXX | 304893344 | FCRE8999 | 11/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML compliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/11/2025 | A |
| XXX | XXX | 304893344 | FPRO8998 | 11/11/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/11/2025 | A |
| XXX | XXX | 304875851 | finding-3352 | 11/20/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in HLTV of 85% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML loan with established escrows and met appraisal requirements, downgraded to an A" |  | HPML compliant | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/20/2025 | A |
| XXX | XXX | 304875851 | FCRE8999 | 11/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML compliant; Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/20/2025 | A |
| XXX | XXX | 304875851 | FPRO8998 | 11/20/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/20/2025 | A |
| XXX | XXX | 304859475 | finding-3352 | 11/05/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in HLTV of 85% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/05/2025 | A |
| XXX | XXX | 304859475 | FCRE8999 | 11/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML compliant; Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/03/2025 | A |
| XXX | XXX | 304859475 | FPRO8998 | 11/03/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/03/2025 | A |
| XXX | XXX | 304859475 | finding-3652 | 11/05/2025 | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. [[(XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to HLTV of 85% is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease of Lender Credit from XXX on CD dated XX/XX/XXXX to XXX on CD dated XX/XX/XXXX without valid COC. | Document Uploaded. COC attached. | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/05/2025 | C A |
| XXX | XXX | 304875848 | FCRE6737 | 11/13/2025 | Credit | Missing Doc | Missing Letter of Explanation (Income) | Missing Letter of Explanation regarding excessive overdrafts/NSFs on both accounts used to qualify. | Document Uploaded. | Borrower signed letter of explanation regarding overdraft fees was received. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/13/2025 | D A |
| XXX | XXX | 304875848 | finding-3352 | 11/06/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in HLTV of 85% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  | HPML compliant | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/06/2025 | A |
| XXX | XXX | 304875848 | FPRO8998 | 11/06/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/06/2025 | A |
| XXX | XXX | 304875847 | FCOM8997 | 11/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | HPML compliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/05/2025 | A |
| XXX | XXX | 304875847 | FCRE8999 | 11/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML compliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/05/2025 | A |
| XXX | XXX | 304875847 | FPRO8998 | 11/05/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/05/2025 | A |
| XXX | XXX | 304875835 | FCRE1445 | 11/11/2025 | Credit | Assets | Asset 3 Expired | Asset 3 Expired Missing updated Self Help XXX acct dated within allowable time frame. | Document Uploaded. | Asset 3 Not Expired Or Not Applicable; Client provided updated asset evidence dated through XX/XX/XXXX. Evidence is YTD satisfying condition. | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/11/2025 | C A |
| XXX | XXX | 304875835 | FCOM8997 | 11/07/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | HPML compliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/07/2025 | A |
| XXX | XXX | 304875835 | FPRO8998 | 11/07/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/07/2025 | A |
| XXX | XXX | 304871794 | finding-2962 | 11/10/2025 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML Compliant | XXX is Below the Guideline Maximum - Calculated LTV of 55.82% is less than Guideline LTV of 55.82% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.82% is less than Guideline CLTV of 55.82% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/10/2025 | A |
| XXX | XXX | 304871794 | finding-3352 | 11/10/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in HLTV of 85% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML Compliant | XXX is Below the Guideline Maximum - Calculated LTV of 55.82% is less than Guideline LTV of 55.82% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.82% is less than Guideline CLTV of 55.82% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/10/2025 | A |
| XXX | XXX | 304871794 | FCRE8999 | 11/10/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML Compliant; Cleared | XXX is Below the Guideline Maximum - Calculated LTV of 55.82% is less than Guideline LTV of 55.82% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.82% is less than Guideline CLTV of 55.82% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/10/2025 | A |
| XXX | XXX | 304871794 | FPRO8998 | 11/10/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML Compliant; Cleared | XXX is Below the Guideline Maximum - Calculated LTV of 55.82% is less than Guideline LTV of 55.82% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.82% is less than Guideline CLTV of 55.82% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/10/2025 | A |
| XXX | XXX | 304902748 | FCRE3500 | 11/20/2025 | Credit | Borrower | Borrower residency documentation not provided or issue with documentation | 1003 in file reflects non-permanent resident alien. File contains XXXX Driver License (not federal) and XXXX Passport. Unable to find guideline required visa in file to support valid residency. | Document Uploaded. ITIN Letter attached-- was uploaded with the original package | Borrower is eligible based on ITIN requirements. Original condition not required. Rescinded. Loan was UW as an ITIN. Per guides, "The ITIN loan program is for borrowers living in the US, who have never been issued a US Social Security number. Non-Permanent resident aliens, who have been issued US Social Security numbers, refer to the NONPERMANENT RESIDENT ALIEN section of this guide." "Two government issued photo identification cards are required to validate identity. Examples of acceptable documents are, but not limited to, the following: § Consular ID Card (even if expired) § Non-U. Driver license § Passport from Country of Origin (even if expired) § State issued ID § U. Driver License § U. Visa (even if expired) § Voter ID (even if expired)"; Borrower is eligible based on ITIN requirements. Original condition not required. Rescinded. Loan was UW as an ITIN. Per guides, "The ITIN loan program is for borrowers living in the US, who have never been issued a US Social Security number. Non-Permanent resident aliens, who have been issued US Social Security numbers, refer to the NONPERMANENT RESIDENT ALIEN section of this guide." "Two government issued photo identification cards are required to validate identity. Examples of acceptable documents are, but not limited to, the following: § Consular ID Card (even if expired) § Non-U. Driver license § Passport from Country of Origin (even if expired) § State issued ID § U. Driver License § U. Visa (even if expired) § Voter ID (even if expired)" ; Lender sent the ITIN form. |  | Rescinded |  | A |
| XXX | XXX | 304902748 | finding-2978 | 11/18/2025 | Compliance | Points & Fees | MA 209 CMR 32.35 Higher-Priced Mortgage Loan Test | This loan failed the MA 209 CMR 32.35 higher-priced mortgage loan test. (MA 209 CMR 32.35 sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations hile the Code of XXX Regulations provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Taxes and insurance were escrowed. Copy of appraisal was provided to borrower. Borrower signed ability to repay disclosure. |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 55.82% is less than Guideline CLTV of 55.82% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.82% is less than Guideline CCLTV of 55.82% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/18/2025 | A |
| XXX | XXX | 304902748 | finding-3352 | 11/18/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in HLTV of 85% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Borrower received copy of appraisal. Taxes and insurance were escrowed. |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 69.2% is less than Guideline LTV of 69.2% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.2% is less than Guideline CLTV of 69.2% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/18/2025 | A |
| XXX | XXX | 304902748 | FPRO8998 | 11/18/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 69.2% is less than Guideline LTV of 69.2% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.2% is less than Guideline CLTV of 69.2% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/18/2025 | A |
| XXX | XXX | 304893306 | finding-2962 | 11/14/2025 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  | HPML compliant | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/14/2025 | A |
| XXX | XXX | 304893306 | finding-3352 | 11/14/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in HLTV of 85% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  | HPML compliant | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/14/2025 | A |
| XXX | XXX | 304893306 | FCRE8999 | 11/14/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML compliant; Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/14/2025 | A |
| XXX | XXX | 304893306 | FPRO8998 | 11/14/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/14/2025 | A |
| XXX | XXX | 304871765 | finding-2962 | 11/07/2025 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  | HPML compliant | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 69.2% is less than Guideline CLTV of 69.2% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.2% is less than Guideline CCLTV of 69.2% | Resolved | 11/07/2025 | C A |
| XXX | XXX | 304871765 | finding-3352 | 11/07/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in HLTV of 85% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  | HPML compliant | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 35.9% is less than Guideline LTV of 35.9% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.9% is less than Guideline CLTV of 35.9% | Resolved | 11/07/2025 | C A |
| XXX | XXX | 304871765 | FPRO8998 | 11/07/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 35.9% is less than Guideline LTV of 35.9% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.9% is less than Guideline CLTV of 35.9% | Resolved | 11/07/2025 | A |
| XXX | XXX | 304871765 | FCRE1437 | 11/11/2025 | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Income has insufficient documents in the file to complete income review calculations. Lender shows XXX months deposits from XX/XX/XXXX to XX/XX/XXXX on their income worksheet and the file is missing the last three needed for XXX (XXX, XXX, and XXX). Please provide these XXX bank Statements in order to finalize income review or an updated income calculation worksheet lender used. | Document Uploaded. | Income and Employment Meet Guidelines; Client provided XXX, XXX, XXX XXX to satisfy missing full 12m bank Statements. Resolved. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 35.9% is less than Guideline LTV of 35.9% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.9% is less than Guideline CLTV of 35.9% | Resolved | 11/11/2025 | C A |
| XXX | XXX | 304871763 | finding-3352 | 11/06/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in HLTV of 85% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | XXX is Below the Guideline Maximum - Calculated LTV of 35.9% is less than Guideline LTV of 35.9% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.9% is less than Guideline CLTV of 35.9% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/06/2025 | A |
| XXX | XXX | 304871763 | FCRE8999 | 11/06/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML compliant; Cleared | XXX is Below the Guideline Maximum - Calculated LTV of 35.9% is less than Guideline LTV of 35.9% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.9% is less than Guideline CLTV of 35.9% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/06/2025 | A |
| XXX | XXX | 304871763 | FPRO8998 | 11/06/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | XXX is Below the Guideline Maximum - Calculated LTV of 35.9% is less than Guideline LTV of 35.9% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.9% is less than Guideline CLTV of 35.9% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/06/2025 | A |
| XXX | XXX | 304893299 | FCOM8997 | 11/19/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | HPML compliant; Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/19/2025 | A |
| XXX | XXX | 304893299 | FPRO8998 | 11/19/2025 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/19/2025 | A |
| XXX | XXX | 304893299 | FCRE1196 | 01/05/2026 | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of 85% exceeds Guideline HCLTV of 80% Exception granted for HLTV based on mortgage history of XXX. Compensating factors are DTI under XXX% FICO XXX points above XXX residual income greater than XXX Verified over XXX months of reserves. Exception approved. Lender exception provided. |  | Per Lender Exception Approval (Page XXX), condition is acknowledged. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes B |
| XXX | XXX | 304893299 | FCRE1194 | 01/05/2026 | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Audited LTV of 85% exceeds Guideline LTV of 80% Exception granted for LTV based on mortgage history of XXX. Compensating factors are DTI under XXX% FICO XXX points above XXX residual income greater than XXX Verified over XXX months of reserves. Exception approved. |  | Per Lender Exception Approval (Page XXX), condition is acknowledged. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes B |
| XXX | XXX | 304893299 | FCRE1195 | 01/05/2026 | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of 85% exceeds Guideline CLTV of 80% Exception granted for CLTV based on mortgage history of XXX. Compensating factors are DTI under XXX% FICO XXX points above XXX residual income greater than XXX Verified over XXX months of reserves. Exception approved. |  | Per Lender Exception Approval (Page XXX), condition is acknowledged. ; Lender exception provided. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes B |
| XXX | XXX | 304893299 | FCRE9780 | 11/26/2025 | Credit | Missing Doc | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing The subject transaction is a purchase of an investment property. The Business Purpose Affidavit was not found in the loan file. | This is not needed, it is a TRID loan. | Trid loan, tested; Business Purpose Affidavit/Disclosure Provided; Trid loan. |  | Rescinded |  | A |
| XXX | XXX | 304871749 | finding-3352 | 11/04/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 85% LTV some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML requirements met. |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/04/2025 | A |
| XXX | XXX | 304871749 | FPRO8998 | 11/04/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/04/2025 | A |
| XXX | XXX | 304871749 | FCRE8999 | 11/04/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML compliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/04/2025 | A |
| XXX | XXX | 304902739 | finding-3352 | 11/14/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 85% LTV some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/14/2025 | A |
| XXX | XXX | 304902739 | FPRO8998 | 11/14/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/14/2025 | A |
| XXX | XXX | 304902739 | FCRE8999 | 11/14/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML compliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/14/2025 | A |
| XXX | XXX | 304893280 | finding-3352 | 11/10/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 85% LTV some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. |  | HPML Compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/10/2025 | A |
| XXX | XXX | 304893280 | FCRE8999 | 11/10/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML Compliant; Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/10/2025 | A |
| XXX | XXX | 304893280 | FPRO8998 | 11/10/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML Compliant; Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/10/2025 | A |
| XXX | XXX | 304893279 | FCOM8997 | 11/14/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | HPML compliant; Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/14/2025 | A |
| XXX | XXX | 304893279 | FPRO8998 | 11/14/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/14/2025 | A |
| XXX | XXX | 304893279 | FVAL5981 | 01/05/2026 | Property | Property | Property Type does not meet eligibility requirement(s) | Exception for Subject XXX/design being a modified A Frame property, compensating factors are FICO XXX Points above XXX DTI under XXX% and Residual income greater than XXX Exception Approved. |  | Lender exception in file for XXX supported by the following compensating factors: FICO XXX Points above XXX DTI under XXX% and Residual income greater than XXX Exception downgraded to a level 2/B. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes B |
| XXX | XXX | 304893279 | FCRE7805 | 11/20/2025 | Credit | Missing Doc | Missing Income - Bank Statements | The subject was approved with XXX months bank Statement income verification. However, the bank Statement for XX/XX/XXXX was not provided. Please provided income bank Statement for XXX/XXX. | Document Uploaded. | Lender provided XXX Statement dated XX/XX/XXXX - XX/XX/XXXX. Clears condition - Resolved. ; Lender provided XXX Statement dated XX/XX/XXXX - XX/XX/XXXX. Clears condition - Resolved. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/20/2025 | D A |
| XXX | XXX | 304871691 | FCOM8997 | 11/12/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | HPML compliant; Cleared | XXX is Below the Guideline Maximum - Calculated LTV of 35.9% is less than Guideline CLTV of 35.9% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.9% is less than Guideline CCLTV of 35.9% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/12/2025 | A |
| XXX | XXX | 304871691 | FCRE8999 | 11/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML compliant; Cleared | XXX is Below the Guideline Maximum - Calculated CLTV of 65.42% is less than Guideline CLTV of 65.42% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 65.42% is less than Guideline CCLTV of 65.42% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/12/2025 | A |
| XXX | XXX | 304871691 | FPRO8998 | 11/12/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | XXX is Below the Guideline Maximum - Calculated CLTV of 65.42% is less than Guideline CLTV of 65.42% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 65.42% is less than Guideline CCLTV of 65.42% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/12/2025 | A |
| XXX | XXX | 304871684 | FCRE8999 | 11/18/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML compliant; Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/18/2025 | A |
| XXX | XXX | 304871684 | FPRO8998 | 11/18/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/18/2025 | A |
| XXX | XXX | 304871684 | FCOM8997 | 11/18/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | HPML compliant; Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/18/2025 | A |
| XXX | XXX | 304875772 | FCRE1193 | 11/26/2025 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% The subject loan was qualified using the XXX month bank Statement average. The Lender used XXX Audit used $XXX. The Lender and Audit used same amount in deposits and expense factor (XXX%). Audit ran numbers manually and got the same figure of $XXX. The DTI increased from XXX% to XXX% which exceeds the program maximum of XXX% based on the 85% LTV. | Document Uploaded. The provided worksheet shows the full total of XXX minus the exclusions of XXX correctly results in the qualifying included deposits of $XXX. Thank you! ; Document Uploaded. ; Document Uploaded. We used a XXX% exp ratio with the letter provided from the CPA. Attached is the income worksheet with the exp ratio verifying income at $XXX. Thank you! ; Document Uploaded. | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; Audited DTI of XXX% exceeds Guideline DTI of XXX%; Lender income worksheet provided indicates total included deposits as $XXX. The Statement Overview section of the worksheet indicates an Included total amount for every month - the included total amount of deposits for every month from the worksheet do not add up to $XXX. An updated lender worksheet to show the total amount of deposits for every month that were included for the total allowable deposits of XXX is missing. ; Lender worksheet reviewed. According to the lender worksheet the total allowable deposits = XXX however the actual included total deposits on the lender worksheet when summarized = XXX @ XXX% for XXX monthly income. An updated lender worksheet to show the deposits that were included for the total allowable deposits of XXX is missing. ; Received bank Statement with evidence the EMD wire transfer to the title company. Audited DTI of XXX% exceeds Guideline DTI of XXX% The subject loan was qualified using the XXX month bank Statement average. The Lender used XXX Audit used $XXX. The Lender and Audit used same amount in deposits and expense factor (XXX%). Audit ran numbers manually and got the same figure of $XXX. The DTI increased from XXX% to XXX% which exceeds the program maximum of XXX% based on the ##LM##. | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/26/2025 | C A |
| XXX | XXX | 304875772 | FCRE9995 | 11/26/2025 | Credit | Assets | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. The subject loan closed under the Core Guidelines dated XXX. The loan closed with an 85% LTV which requires XXX months reserves. The EMD of XXX could not be verified in the loan file so the reserves are short of the required XXX months. | Document Uploaded. | Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX.; Received bank Statement with evidence the EMD wire transfer to the title company. Assets are sufficient for reserves. | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/26/2025 | C A |
| XXX | XXX | 304875772 | FCRE1198 | 11/26/2025 | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) The subject loan closed under the Core Guidelines dated XXX. The loan closed with an 85% LTV which requires XXX months reserves. The EMD of XXX could not be verified in the loan file so the reserves are short of the required XXX months. | Document Uploaded. | Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s); Received bank Statement with evidence the EMD wire transfer to the title company. Assets are sufficient for reserves. | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/26/2025 | C A |
| XXX | XXX | 304875772 | finding-2962 | 11/04/2025 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML requirements met |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/04/2025 | A |
| XXX | XXX | 304875772 | finding-3352 | 11/04/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 85% LTV some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML requirements met. |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/04/2025 | A |
| XXX | XXX | 304875772 | FPRO8998 | 11/04/2025 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/04/2025 | A |
| XXX | XXX | 304875772 | FCRE3843 | 11/26/2025 | Credit | Eligibility | Guideline Seasoning not Met | The required number of months reserves are to be seasoned does not meet Guideline requirement. The subject loan closed under the Core Guidelines dated XXX. The loan closed with an 85% LTV which requires XXX months reserves. The EMD of XXX could not be verified in the loan file so the reserves are short of the required XXX months. | Document Uploaded. | The required number of months reserves are to be seasoned does meet Guideline requirement.; Received bank Statement with evidence the EMD wire transfer to the title company. Assets are sufficient for reserves. | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/26/2025 | D A |
| XXX | XXX | 304871672 | finding-3352 | 11/04/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 85% LTV some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  | HPML compliant | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/04/2025 | A |
| XXX | XXX | 304871672 | FCRE8999 | 11/04/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML compliant; Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/04/2025 | A |
| XXX | XXX | 304871672 | FPRO8998 | 11/04/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/04/2025 | A |
| XXX | XXX | 304902706 | finding-3352 | 11/19/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 85% LTV some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | XXX is Below the Guideline Maximum - Calculated CLTV of 65.42% is less than Guideline CLTV of 65.42% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 65.42% is less than Guideline CCLTV of 65.42% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/19/2025 | A |
| XXX | XXX | 304902706 | FCRE8999 | 11/19/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML compliant; Cleared | XXX is Below the Guideline Maximum - Calculated CLTV of 65.42% is less than Guideline CLTV of 65.42% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 65.42% is less than Guideline CCLTV of 65.42% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/19/2025 | A |
| XXX | XXX | 304902706 | FPRO8998 | 11/19/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | XXX is Below the Guideline Maximum - Calculated CLTV of 65.42% is less than Guideline CLTV of 65.42% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 65.42% is less than Guideline CCLTV of 65.42% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/19/2025 | A |
| XXX | XXX | 304875754 | finding-3352 | 11/14/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 85% LTV some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  | HPML compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.42% is less than Guideline LTV of 65.42% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 65.42% is less than Guideline LTV of 48.35% | Resolved | 11/14/2025 | A |
| XXX | XXX | 304875754 | FCRE8999 | 11/14/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML compliant; Cleared | Original CLTV is Below the Guideline Maximum - Calculated LTV of 48.35% is less than Guideline LTV of 48.35% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 48.35% is less than Guideline LTV of 48.35% | Resolved | 11/14/2025 | A |
| XXX | XXX | 304875754 | FPRO8998 | 11/14/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | Original CLTV is Below the Guideline Maximum - Calculated LTV of 48.35% is less than Guideline LTV of 48.35% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 48.35% is less than Guideline LTV of 48.35% | Resolved | 11/14/2025 | A |
| XXX | XXX | 304875744 | FCOM8997 | 11/04/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | HPML compliant; Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/04/2025 | A |
| XXX | XXX | 304875744 | FCRE8999 | 11/04/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML compliant; Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/04/2025 | A |
| XXX | XXX | 304875744 | FPRO9990 | 11/11/2025 | Property | Third Party Valuation | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. CU score is XX/XX/XXXX and not eligible for collateral reps and warrants, third party valuation required. | Document Uploaded. | Third party valuation product provided within tolerance.; Client provided CA Collateral TPV with acceptable and XXX results. Resolved. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/11/2025 | C A |
| XXX | XXX | 304902687 | finding-3352 | 11/19/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 85% LTV some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  | HPML compliant | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/19/2025 | A |
| XXX | XXX | 304902687 | FCRE8999 | 11/19/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML compliant; Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/19/2025 | A |
| XXX | XXX | 304902687 | FPRO8998 | 11/19/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/19/2025 | A |
| XXX | XXX | 304875742 | finding-3352 | 11/14/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 85% LTV some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  | HPML compliant | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/14/2025 | A |
| XXX | XXX | 304875742 | FCRE8999 | 11/14/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML compliant; Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/14/2025 | A |
| XXX | XXX | 304875742 | FPRO8998 | 11/14/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/14/2025 | A |
| XXX | XXX | 304902658 | finding-3352 | 11/25/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 85% LTV some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met. |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/25/2025 | A |
| XXX | XXX | 304902658 | FCRE8999 | 11/25/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML compliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/25/2025 | A |
| XXX | XXX | 304902658 | FPRO8998 | 11/25/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/25/2025 | A |
| XXX | XXX | 304902658 | FCOM2298 | 11/26/2025 | Compliance | Missing Doc | TX Const, Art 16, § 50(a)(6)(M)(i) - Texas 50(a)(6) Notice for Home Equity Disclosure is not Provided | TX Const, Art 16, § 50(a)(6)(M)(i) - Texas XXX(a)(XXX) Notice for Home Equity Disclosure is not Provided. Documentation Required: Texas XXX(a)(XXX) Notice for Home Equity Disclosure is not Provided. | Document Uploaded. | TX Const, Art 16, § 50(a)(6)(M)(i) - XXX XXX(a)(XXX) Notice for Home Equity Disclosure is Provided or Not Applicable. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/26/2025 | D A |
| XXX | XXX | 304875689 | finding-3352 | 11/17/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 85% LTV some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Appraisal was provided to borrower and taxes & insurance were escrowed. |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/17/2025 | A |
| XXX | XXX | 304875689 | FPRO8998 | 11/17/2025 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/17/2025 | A |
| XXX | XXX | 304875689 | FCRE8999 | 11/17/2025 | Credit | Data | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  | HPML compliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/17/2025 | A |
| XXX | XXX | 304875665 | finding-2962 | 11/17/2025 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 48.35% is less than Guideline LTV of 48.35% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.35% is less than Guideline CLTV of 48.35% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/17/2025 | A |
| XXX | XXX | 304875665 | finding-3352 | 11/17/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 85% LTV some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 48.35% is less than Guideline LTV of 48.35% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.35% is less than Guideline CLTV of 48.35% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/17/2025 | A |
| XXX | XXX | 304875665 | FCRE8999 | 11/17/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML compliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 48.35% is less than Guideline LTV of 48.35% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.35% is less than Guideline CLTV of 48.35% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/17/2025 | A |
| XXX | XXX | 304875665 | FPRO8998 | 11/17/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 48.35% is less than Guideline LTV of 48.35% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.35% is less than Guideline CLTV of 48.35% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/17/2025 | A |
| XXX | XXX | 304893171 | finding-2962 | 11/17/2025 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  | HPML compliant | XXX is Below the Guideline Maximum - Calculated LTV of 48.35% is less than Guideline CLTV of 48.35% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.35% is less than Guideline CCLTV of 48.35% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/17/2025 | A |
| XXX | XXX | 304893171 | finding-3352 | 11/17/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 85% LTV some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  | HPML compliant | XXX is Below the Guideline Maximum - Calculated ##NC## is less than Guideline ##NC## \| Original CLTV is Below the Guideline Maximum - Calculated C##NC## is less than Guideline C##NC## \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/17/2025 | A |
| XXX | XXX | 304893171 | FCRE8999 | 11/17/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML compliant; Cleared | XXX is Below the Guideline Maximum - Calculated ##NC## is less than Guideline ##NC## \| Original CLTV is Below the Guideline Maximum - Calculated C##NC## is less than Guideline C##NC## \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/17/2025 | A |
| XXX | XXX | 304893171 | FPRO8998 | 11/17/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | XXX is Below the Guideline Maximum - Calculated ##NC## is less than Guideline ##NC## \| Original CLTV is Below the Guideline Maximum - Calculated C##NC## is less than Guideline C##NC## \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/17/2025 | A |
| XXX | XXX | 304893145 | finding-3352 | 11/22/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 85% LTV some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/22/2025 | A |
| XXX | XXX | 304893145 | FCRE8999 | 11/22/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML compliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/22/2025 | A |
| XXX | XXX | 304893145 | FPRO8998 | 11/22/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/22/2025 | A |
| XXX | XXX | 304902599 | finding-3352 | 11/24/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 85% LTV some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  | Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/24/2025 | A |
| XXX | XXX | 304902599 | FCRE8999 | 11/24/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared; Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/24/2025 | A |
| XXX | XXX | 304902599 | FPRO8998 | 11/24/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared; Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/24/2025 | A |
| XXX | XXX | 304893124 | FVAL9739 | 11/26/2025 | Property | Appraisal | Property/Appraisal General | Property/Appraisal guideline violation: This is considered a flip property with the prior XXX just sold in XX/XX/XXXX to seller which is less than XXX days from the date of this purchase contract. The XXX was increased to borrower over XXX% of prior purchase amount of XXX to XXX This loan is HPML per compliance review and under guidelines a second appraisal is required and not found in the file. | Document Uploaded. | ; Property/Appraisal Meets Guidelines; LOE on sale and listing of flipped property |  | Rescinded |  | A |
| XXX | XXX | 304893124 | finding-3352 | 11/18/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 85% LTV some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Borrower received copy of appraisal, taxes and insurance were escrowed. |  | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/18/2025 | A |
| XXX | XXX | 304893124 | FCRE8999 | 11/18/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML compliant; Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/18/2025 | A |
| XXX | XXX | 304902587 | finding-2962 | 11/25/2025 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/25/2025 | A |
| XXX | XXX | 304902587 | finding-3352 | 11/25/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 85% LTV some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/25/2025 | A |
| XXX | XXX | 304902587 | FPRO8998 | 11/25/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/25/2025 | A |
| XXX | XXX | 304902587 | FCRE8999 | 11/25/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML compliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/25/2025 | A |
| XXX | XXX | 304902481 | finding-3352 | 11/20/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 85% LTV some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/20/2025 | A |
| XXX | XXX | 304902481 | FCRE8999 | 11/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML compliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/20/2025 | A |
| XXX | XXX | 304902481 | FPRO8998 | 11/20/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/20/2025 | A |
| XXX | XXX | 304902481 | FPRO9990 | 01/05/2026 | Property | Third Party Valuation | Third Party Valuation Product Not Provided within 10% Tolerance | TPV is >XXX% variance from appraisal. Lender used lower value. Acknowledged |  | TPV is >XXX% variance from appraisal. Lender used lower value. Previously Acknowledged. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Acknowledged |  | No B |
| XXX | XXX | 304866944 | FCRE1480 | 10/21/2025 | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements Borrower received XXX in gift funds, however missing evidence of donor's funds. Guidelines require gift to be verified via donor's check and the borrower's deposit slip; donor's check to the closing agent; evidence of wire transfer from donor to borrower or settlement Statement showing receipt of the donor's check. | Document Uploaded. | Gift funds of XXX was from spouse, according to the lender guidelines, funds from a spouse are not considered gift funds. Also asset account is owned by both borrower and spouse, XXX% access letter from the spouse was provided.; Asset Record XXX Meets G/L Requirements Or Not Applicable | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/21/2025 | C A |
| XXX | XXX | 304866944 | FPRO8998 | 10/16/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/16/2025 | A |
| XXX | XXX | 304866944 | FCOM8997 | 10/16/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | HPML compliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/16/2025 | A |
| XXX | XXX | 304816759 | FCRE8999 | 08/25/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 08/25/2025 | A |
| XXX | XXX | 304816759 | FPRO8998 | 08/25/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 08/25/2025 | A |
| XXX | XXX | 304816759 | FCOM8997 | 08/25/2025 | Compliance | Data | No Compliance Findings | No Compliance Findings The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 08/25/2025 | A |
| XXX | XXX | 304866930 | FCOM9186 | 10/30/2025 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. | Document Uploaded. | Evidence of eConsent is provided.; e-consent received | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/30/2025 | B A |
| XXX | XXX | 304866930 | finding-2962 | 10/23/2025 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code hile the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML compliant | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/23/2025 | A |
| XXX | XXX | 304866930 | finding-3352 | 10/23/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML with established escrows and appraisal requirements met. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 85% LTV some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML compliant | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/23/2025 | A |
| XXX | XXX | 304866930 | FPRO8998 | 10/23/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/23/2025 | A |
| XXX | XXX | 304866930 | FCRE7497 | 10/30/2025 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The file does not contain a copy of the HOA Statement or a no HOA letter for the property located at XXX. | Rebuttal:XXX nor XXX discloses that an HOA is present, which is common for older neighborhoods. The home was built in XXX XXX: XXX; XXX: XXX | XXX and XXX link provided indicates property is a single-family residence with no HOA present. Per lender comments:XXX nor XXX discloses that an HOA is present, which is common for older neighborhoods. The home was built in XXX XXX:XXXX XXX: XXX | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/30/2025 | D A |
| XXX | XXX | 304866926 | FCOM8997 | 10/27/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | HPML compliant; Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/27/2025 | A |
| XXX | XXX | 304866926 | FCRE8999 | 10/27/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML compliant; Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/27/2025 | A |
| XXX | XXX | 304866926 | FPRO8998 | 10/27/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/27/2025 | A |
| XXX | XXX | 304757018 | FCRE1438 | 08/22/2025 | Credit | Eligibility | ATR Risk | ATR Risk: Missing all XXX business bank Statements to calculate income. ATR Risk: Missing all XXX business bank Statements to calculate income. | Document Uploaded. | ATR Risk Resolved; Received XXX months business bank Statements from XXX XXX. Bank Statements provided validates bank Statement income utilized. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 08/22/2025 | C A |
| XXX | XXX | 304757018 | FCRE1342 | 08/22/2025 | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Borrower 1 Business Bank Statements Missing Missing all XXX business bank Statements to calculate income per guidelines, dated XX/XX/XXXX, for loan program on lock agreement. | Document Uploaded. | Borrower 1 Business Bank Statements Provided; Received XXX months business bank Statements from XXX XXX. Bank Statements provided validates bank Statement income utilized. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 08/22/2025 | D A |
| XXX | XXX | 304757018 | FCRE5782 | 08/08/2025 | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing Missing gap credit report, as required by guidelines, dated XX/XX/XXXX. | Document Uploaded. | Borrower 1 Gap Credit Report is not missing.; Gap credit report dated within XXX days of closing received. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 08/08/2025 | D A |
| XXX | XXX | 304757018 | FCRE5783 | 08/08/2025 | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Borrower 2 Gap Credit Report is Missing Missing gap credit report, as required by guidelines, dated XX/XX/XXXX. | Document Uploaded. | Borrower 2 Gap Credit Report is not missing.; Gap credit report dated within XXX days of closing received. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 08/08/2025 | D A |
| XXX | XXX | 304757018 | FPRO8998 | 07/24/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 07/24/2025 | A |
| XXX | XXX | 304757018 | finding-3352 | 08/07/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML compliant- Appraisal requirement met This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 85% LTV some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML compliant | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 08/07/2025 | A |
| XXX | XXX | 304757018 | FCRE1437 | 08/22/2025 | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing all XXX business bank Statements to calculate income per guidelines, dated XX/XX/XXXX, for loan program on lock agreement. | Document Uploaded. | Income and Employment Meet Guidelines; Received XXX months business bank Statements from XXX XXX. Bank Statements provided validates bank Statement income utilized. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 08/22/2025 | C A |
| XXX | XXX | 304757018 | finding-3634 | 08/07/2025 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to 85% LTV is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the appraisal fee. The fee was added to LE XXX/XXX, but the COC wasn't dated until XXX/XXX. Need further clarification when the change occured. | Document Uploaded. | Received copy of COC dated XX/XX/XXXX for testing. Exception resolved; Received copy of COC dated XX/XX/XXXX for testing. Exception resolved | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 08/07/2025 | C A |
| XXX | XXX | 304756904 | FCOM3849 | 10/27/2025 | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (85% LTV. Missing proof the borrower was provided a copy of their appraisal at least XXX days prior to closing. | Document Uploaded. | Evidence of appraisal delivery provided.; Document Uploaded. Received disclosure tracking detail sheet confirming electronic delivery of the appraisal. Condition resolved. | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/27/2025 | B A |
| XXX | XXX | 304756904 | FCRE8999 | 09/24/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML compliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 09/24/2025 | A |
| XXX | XXX | 304756904 | FPRO8998 | 09/24/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 09/24/2025 | A |
| XXX | XXX | 304866841 | FCOM5135 | 10/30/2025 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within XXX days of XXX XX/XX/XXXX or provide confirmation the lender has no affiliates. | Document Uploaded. | Compliance summary pg2 indicates no fees paid to an affiliate. Condition Resolved; Required Affiliated Business Disclosure Documentation Provided | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/30/2025 | B A |
| XXX | XXX | 304866841 | FCRE8999 | 10/28/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML compliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/28/2025 | A |
| XXX | XXX | 304866841 | FPRO8998 | 10/28/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/28/2025 | A |
| XXX | XXX | 304764064 | 9729159264 | 8/1/2025 | Credit | Borrower and Mortgage Eligibility | Entity Documentation - Missing or Defective | Missing Corporate Resolution between members XXX and XXX. | XXX: Exception approval | XXX: Received Exception Approval | FICO XXX points above XXX Rate and Term refi, rate reduction from XXX% to XXX P&I monthly savings of over 3k, MTG history verified XXX | Acknowledged | 10/31/2025 | D B |
| XXX | XXX | 304818142 | 9905511462 | 8/26/2025 | Credit | Borrower and Mortgage Eligibility | Excessive LTV Ratio | 85% LTV > 80% LTV Limit for XXX FICO Purchase with STR Income | XXX: Exception waiver | XXX: Exception waiver received | XXX FICO, 0X30 Mortgage History, DSCR above XXX | Acknowledged | 8/27/2025 | C B |
| XXX | XXX | 304823807 | 9915983957 | 8/27/2025 | Credit | Loan Documentation | Note Missing or Defective | Missing Note for borrower XXX | XXX: Closing Package | XXX: Received Closing Package |  | Cleared | 8/29/2025 | D A |
| XXX | XXX | 304823807 | 9915982449 | 8/27/2025 | Credit | Loan Documentation | Security Instrument Missing or Defective | Missing Security Instrument for borrower XXX | XXX: Closing Package | XXX: Received Closing Package |  | Cleared | 8/29/2025 | D A |
| XXX | XXX | 304875917 | XXX-1 | 8/26/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 8/26/2025 | A |
| XXX | XXX | 304812637 | XXX-1 | 8/28/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 8/28/2025 | A |
| XXX | XXX | 304823736 | XXX-1 | 9/4/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 9/4/2025 | A |
| XXX | XXX | 304812583 | XXX-1 | 9/9/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 9/9/2025 | A |
| XXX | XXX | 304844205 | 18104856052 | 10/3/2025 | Credit | Title/Lien | Title Insurance Missing or Defective | Missing Supplemental Title report including Lenders name. Please provide Supplemental Report or Updated Title Commitment | XXX: Uploaded title | XXX: Received Title |  | Cleared | 10/10/2025 | C A |
| XXX | XXX | 304844205 | 18108496795 | 10/3/2025 | Property | Property Eligibility | Ineligible Property | Missing Evidence of Rental Listing. Subject Property: XXX is a vacant, new construction. | XXX: please see attached LOE | XXX: LOE received |  | Cleared | 10/21/2025 | D A |
| XXX | XXX | 304859597 | XXX-1 | 10/13/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 10/13/2025 | A |
| XXX | XXX | 304823600 | XXX-1 | 10/8/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 10/8/2025 | A |
| XXX | XXX | 304752090 | 18181241025 | 10/14/2025 | Credit | Title/Lien | Release of Lien/Subordination Agreement/Satisfaction Missing or Defective | Title Supplement to evidence Schedule B (II), Item XXX Line of Credit has been closed. | XXX: updated policy uploaded | XXX: Received satisfaction of Title requirement |  | Cleared | 11/6/2025 | C A |
| XXX | XXX | 304844259 | 18176170558 | 10/13/2025 | Credit | Loan Documentation | Deed Missing or Defective | MISSING CONVEYANCE DEED from XXX and XXX to XXX | XXX: Uploaded Deed | XXX: Received Deed |  | Cleared | 10/15/2025 | D A |
| XXX | XXX | 304848378 | XXX-1 | 10/15/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 10/15/2025 | A |
| XXX | XXX | 304843926 | 18196250820 | 10/15/2025 | Credit | Property Data Collection | Subject Property Lease - Missing or Defective | Missing Lease Agreement for subject property: XXX | XXX: Lease | XXX: Lease received |  | Cleared | 10/16/2025 | D A |
| XXX | XXX | 304843962 | 18203201087 | 10/16/2025 | Property | Insurance | Hazard Insurance Missing or Defective | Hazard Insurance is missing an expiration date. | XXX: HOI certificate in file matches the binder. it lists both the effective and expiration date. | XXX: Rescind |  | Cleared | 10/21/2025 | C A |
| XXX | XXX | 304871680 | XXX-1 | 10/17/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 10/17/2025 | A |
| XXX | XXX | 304844059 | 18202687778 | 10/20/2025 | Credit | Loan Documentation | Sales Contract Missing or Defective | Missing Purchase Agreement for subject property: XXX | XXX:Hi, this is CA. This is the Contract. | XXX: received sale contract |  | Cleared | 10/21/2025 | D A |
| XXX | XXX | 304859667 | 18226533587 | 10/20/2025 | Property | Appraisal | Appraisal Review - Missing | Missing appraisal review for subject property: XXX | XXX: Appraisal review | XXX: Appraisal review received |  | Cleared | 10/21/2025 | D A |
| XXX | XXX | 304859643 | XXX-1 | 10/20/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 10/20/2025 | A |
| XXX | XXX | 304844108 | 18225581603 | 10/20/2025 | Credit | Assets | Undocumented Large Deposit/Increase | Source of multiple large deposits reflected on the XXX XX/XX/XXXX Statement. | XXX: Guidelines XX/XX/XXXX State large deposits only need sourced if u/w feels there is a red flag. This is a buisness Statement with multiple large deposits for the buisness which are in line for the deposits this Statement. no sourcing needed. | XXX: Rescind |  | Cleared | 10/22/2025 | C A |
| XXX | XXX | 304871865 | XXX-1 | 10/21/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 10/21/2025 | A |
| XXX | XXX | 304871944 | XXX-1 | 10/22/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 10/22/2025 | A |
| XXX | XXX | 304859722 | XXX-1 | 10/22/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 10/22/2025 | A |
| XXX | XXX | 304859556 | XXX-1 | 10/24/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 10/24/2025 | A |
| XXX | XXX | 304859713 | XXX-1 | 10/23/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 10/23/2025 | A |
| XXX | XXX | 304859750 | XXX-1 | 10/31/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 10/31/2025 | A |
| XXX | XXX | 304871778 | 18339353927 | 11/3/2025 | Credit | Title/Lien | Title Insurance Missing or Defective | Missing Supplemental Title Report including lenders name and proposed coverage amount. Please provide Supplemental Report or updated Title Commitment | XXX: Title supplement | XXX: Title supplement received |  | Cleared | 11/5/2025 | C A |
| XXX | XXX | 304871778 | 18339355050 | 11/3/2025 | Credit | Assets | Asset Documentation Missing or Defective | Missing proof of ownership or LOE providing borrower with XXX% access to funds in XXX account XXX under XXX | XXX: Proof of ownership uploaded. | XXX: Ownership received |  | Cleared | 11/6/2025 | C A |
| XXX | XXX | 304875718 | XXX-1 | 11/3/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 11/3/2025 | A |
| XXX | XXX | 304875866 | 18345565430 | 11/4/2025 | Property | Property Eligibility | Ineligible Property | Missing evidence of rental listing for vacant Subject Property: XXX | XXX: Rental listing | XXX: Received Rental Listing |  | Cleared | 11/11/2025 | D A |
| XXX | XXX | 304893043 | 18345308011 | 11/4/2025 | Credit | Loan Documentation | Deed Missing or Defective | MISSING CONVEYANCE DEED from XXX to XXX | XXX: Deed uploaded | XXX: Received Deed |  | Cleared | 11/7/2025 | D A |
| XXX | XXX | 304871854 | XXX-1 | 11/4/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 11/4/2025 | A |
| XXX | XXX | 304893329 | XXX-1 | 11/5/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 11/5/2025 | A |
| XXX | XXX | 304875818 | XXX-1 | 11/6/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 11/6/2025 | A |
| XXX | XXX | 304875816 | XXX-1 | 11/6/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 11/6/2025 | A |
| XXX | XXX | 304875819 | XXX-1 | 11/7/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 11/7/2025 | A |
| XXX | XXX | 304866759 | 18366171322 | 11/6/2025 | Property | Property Data Collection | Subject Property Lease - Missing or Defective | Missing Lease Agreement for Subject Property: XXX XXX and Unit XXX | XXX: Leases | XXX: Received Lease |  | Cleared | 11/13/2025 | D A |
| XXX | XXX | 304875823 | 18366135904 | 11/6/2025 | Credit | Insurance | Hazard Insurance Missing or Defective | Hazard insurance effective date of XX/XX/XXXX is after loan disbursement date of XX/XX/XXXX. Please provide updated hazard insurance with an effective date of at least XX/XX/XXXX | XXX: Final HUD | XXX: Received Final HUD |  | Cleared | 11/10/2025 | C A |
| XXX | XXX | 304893043 | 18345319411 | 11/4/2025 | Credit | Loan Documentation | Guaranty Missing or Defective | Missing Personal Guaranty from borrowers: XXX and XXX | XXX: Personal Guaranty uploaded | XXX: Received Personal Guaranty |  | Cleared | 11/7/2025 | D A |
| XXX | XXX | 304893375 | XXX-1 | 11/7/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 11/7/2025 | A |
| XXX | XXX | 304902808 | XXX-1 | 11/11/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 11/11/2025 | A |
| XXX | XXX | 304902736 | XXX-1 | 11/11/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 11/11/2025 | A |
| XXX | XXX | 304902773 | XXX-1 | 11/11/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 11/11/2025 | A |
| XXX | XXX | 304902693 | 18374510096 | 11/11/2025 | Credit | Credit | Subject Property Lease - Missing or Defective | Missing Lease Agreement for Subject Property: XXX-XXX, Unit #XXX | XXX: Unit XXX is not vacant. Our UW did not use rental income from Unit XXX since the square footage is under our guidelines. Only leases from unit XXX & unit XXX were used. | XXX: Unit XXX is not vacant. Our UW did not use rental income from Unit XXX since the square footage is under our guidelines. Only leases from unit XXX & unit XXX were used. | XXX: Unit XXX is not vacant. Our UW did not use rental income from Unit XXX since the square footage is under our guidelines. Only leases from unit XXX & unit XXX were used. | Cleared | 11/14/2025 | D A |
| XXX | XXX | 304893336 | XXX-1 | 11/13/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 11/13/2025 | A |
| XXX | XXX | 304893332 | XXX-1 | 11/13/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 11/13/2025 | A |
| XXX | XXX | 304902774 | 18379283762 | 11/14/2025 | Credit | Assets | Insufficient Assets for Reserves | XXX assets < XXX minimum assets required for closing costs and reserves. Please provide additional assets to source the minimum cash to close and reserves required of $XXX. | XXX: Heloc | XXX: Received Heloc |  | Cleared | 11/14/2025 | C A |
| XXX | XXX | 304902758 | XXX-1 | 11/14/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 11/14/2025 | A |
| XXX | XXX | 304848381 | 18381652938 | 11/17/2025 | Credit | Property | Appraisal Review - Missing | Missing appraisal review for subject property: XXX | XXX: Appraisal Review Uploaded | XXX: Received appraisal review |  | Cleared | 11/18/2025 | D A |
| XXX | XXX | 304902680 | XXX-1 | 11/17/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 11/17/2025 | A |
| XXX | XXX | 304871694 | XXX-1 | 11/17/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 11/17/2025 | A |
| XXX | XXX | 304893215 | XXX-1 | 11/18/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 11/18/2025 | A |
| XXX | XXX | 304902762 | XXX-1 | 11/17/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 11/17/2025 | A |
| XXX | XXX | 304902718 | XXX-1 | 11/17/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 11/17/2025 | A |
| XXX | XXX | 304902743 | XXX-1 | 11/17/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 11/17/2025 | A |
| XXX | XXX | 304902690 | XXX-1 | 11/17/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 11/17/2025 | A |
| XXX | XXX | 304902616 | XXX-1 | 11/18/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 11/18/2025 | A |
| XXX | XXX | 304875698 | XXX-1 | 11/18/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 11/18/2025 | A |
| XXX | XXX | 304902629 | 18383778567 | 11/18/2025 | Credit | Assets | Asset Documentation Missing or Defective | Missing Operating Agreement for XXX for proof of assets for XXX acct #XXX | XXX: Corporation Statement | XXX: Received entity document |  | Cleared | 11/21/2025 | D A |
| XXX | XXX | 304859749 | 18383136423 | 11/18/2025 | Property | Appraisal | Desk Review Variance > 10% | Appraisal review variance of XXX% > XXX% maximum allowed | XXX: Exception approval | XXX: Exception approval | DSCR XXX FICO XXX | Acknowledged | 11/24/2025 | C B |
| XXX | XXX | 304902556 | XXX-1 | 11/18/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 11/18/2025 | A |
| XXX | XXX | 304871671 | XXX-1 | 11/18/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 11/18/2025 | A |
| XXX | XXX | 304902450 | 18383460871 | 11/18/2025 | Credit | Loan Documentation | Deed Missing or Defective | MISSING CONVEYANCE DEED from XXX to XXX | XXX: Deed | XXX: Received Warranty Deed |  | Cleared | 11/19/2025 | D A |
| XXX | XXX | 304893228 | XXX-1 | 11/18/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 11/18/2025 | A |
| XXX | XXX | 304893223 | XXX-1 | 11/18/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 11/18/2025 | A |
| XXX | XXX | 304902784 | XXX-1 | 11/18/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 11/18/2025 | A |
| XXX | XXX | 304893085 | 18383859446 | 11/18/2025 | Credit | Loan Documentation | Deed Missing or Defective | MISSING CONVEYANCE DEED from XXX by to XXX | XXX: Deed | XXX: Received Deed |  | Cleared | 11/19/2025 | D A |
| XXX | XXX | 304893122 | 18383841868 | 11/18/2025 | Credit | Loan Documentation | Deed Missing or Defective | MISSING CONVEYANCE DEED from XXX to XXX | XXX: Deed | XXX: Received Deed |  | Cleared | 11/19/2025 | D A |
| XXX | XXX | 304902629 | 18383779071 | 11/18/2025 | Property | Insurance | Hazard Insurance Missing or Defective | Hazard Insurance Effective Date is XX/XX/XXXX. XXX is XX/XX/XXXX and disbursement date is XX/XX/XXXX. Please provide updated policy that reflects coverage effective on or before the XXX | XXX: Uploaded FSS | XXX: Received |  | Cleared | 11/21/2025 | C A |
| XXX | XXX | 304902670 | XXX-1 | 11/18/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 11/18/2025 | A |
| XXX | XXX | 304893085 | 18383859674 | 11/18/2025 | Credit | Assets | Undocumented Large Deposit/Increase | Please source the XXX deposit on XX/XX/XXXX into the borrower's XXX acct #XXX. Per guides, this deposit exceeds XXX% of the monthly average deposit balance and must be documented. | XXX: UW backed out XXX large deposit, using the remaining balance of XXX | XXX: UW backed out the $XXX deposit and used the remaining balance of XXX for verified assets ($XXX Required Liquidity). | XXX: UW backed out the $XXX deposit and used the remaining balance of XXX for verified assets ($XXX Required Liquidity). | Cleared | 11/19/2025 | C A |
| XXX | XXX | 304902639 | XXX-1 | 11/19/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 11/19/2025 | A |
| XXX | XXX | 304902732 | XXX-1 | 11/20/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 11/20/2025 | A |
| XXX | XXX | 304902791 | XXX-1 | 11/20/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 11/20/2025 | A |
| XXX | XXX | 304893331 | XXX-1 | 11/20/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 11/20/2025 | A |
| XXX | XXX | 304893243 | XXX-1 | 11/21/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 11/21/2025 | A |
| XXX | XXX | 304844020 | XXX-1 | 11/21/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 11/21/2025 | A |
| XXX | XXX | 304902812 | 18388257821 | 11/21/2025 | Credit | Property Eligibility | Ineligible Property | Subject property square footage of XXX < XXX minimum square footage required | XXX: Exception waiver in file | XXX: Exception waiver in file | Fico XXX points above XXX minimum, experienced investor, R/T refi rate reduction from current rate of XXX% | Acknowledged | 11/21/2025 | C B |
| XXX | XXX | 304902588 | XXX-1 | 11/21/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 11/21/2025 | A |
| XXX | XXX | 304902810 | XXX-1 | 11/24/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 11/24/2025 | A |
| XXX | XXX | 304902765 | XXX-1 | 11/24/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 11/24/2025 | A |
| XXX | XXX | 304902702 | XXX-1 | 11/25/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 11/25/2025 | A |
| XXX | XXX | 304902475 | XXX-1 | 11/25/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 11/25/2025 | A |
| XXX | XXX | 304438772 | XXX-1 | 11/4/2024 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 11/4/2024 | A |
| XXX | XXX | 304511388 | XXX-1 | 2/4/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 2/4/2025 | A |
| XXX | XXX | 304699832 | XXX-1 | 5/6/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 5/6/2025 | A |
| XXX | XXX | 304681798 | 9823330621 | 5/6/2025 | Property | Appraisal | Appraisal Review - Missing | Missing appraisal review for subject property XXX. | XX/XX/XXXX: Uploaded appraisal review | XXX: Received appraisal review |  | Cleared | 8/15/2025 | D A |
| XXX | XXX | 304748519 | XXX-1 | 6/16/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 6/16/2025 | A |
| XXX | XXX | 304748517 | 9446051647 | 6/24/2025 | Property | Appraisal | Appraisal Review - Missing | Missing Appraisal Review for: XXX | XX/XX/XXXX-Pleae see attached BPO | XXX: Received BPO |  | Cleared | 6/25/2025 | D A |
| XXX | XXX | 304735964 | XXX-1 | 7/1/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 7/1/2025 | A |
| XXX | XXX | 304748522 | XXX-1 | 7/2/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 7/2/2025 | A |
| XXX | XXX | 304748516 | XXX-1 | 7/10/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 7/10/2025 | A |
| XXX | XXX | 304757677 | 9657898140 | 7/23/2025 | Credit | Loan Documentation | Deed Missing or Defective | MISSING CONVEYANCE DEED from XXX, XXX, XXX, and XXX to XXX. | XX/XX/XXXX Executed Cash Sale Deed attached. | XXX: Received deed |  | Cleared | 7/25/2025 | D A |
| XXX | XXX | 304681798 | 9831638031 | 8/15/2025 | Credit | Credit | Excessive LTV Ratio | 80.53% LTV > XXX% Max LTV for Purchase XXX unit | XX/XX/XXXX: Updated appraisal review | XXX: Received appraisal review |  | Cleared | 8/25/2025 | C A |
| XXX | XXX | 304681798 | 9831664235 | 8/15/2025 | Property | Appraisal | Desk Review Variance > 10% | XXX% appraisal review variance > XXX% please provide second appraisal review or exception approval | XX/XX/XXXX:Updated appraisal review | XXX: Received appraisal review |  | Cleared | 8/25/2025 | C A |
| XXX | XXX | 304757206 | 9776222731 | 8/8/2025 | Property | Appraisal | Appraisal Missing or Defective | Appraisal Lender does not match Lender on Title or Note, please provide transfer letter confirming the appraisal transfer. | XXX: Uploaded transfer letter | XXX: Received transfer letter |  | Cleared | 8/12/2025 | C A |
| XXX | XXX | 304816559 | 10082695027 | 9/18/2025 | Property | Appraisal | Missing, Inadequate, or Incomplete Project Document | Missing evidence from third party vendor validating that the governing municipality where the subject STR is located allows properties to be rented as STRs. | XXX: Compliance report uploaded | XXX: Compliance report received |  | Cleared |  | D A |
| XXX | XXX | 304827836 | 18196066898 | 10/15/2025 | Property | Appraisal | Desk Review Variance > 10% | Appraisal Review variance of XXX% > XXX% maximum allowed. | XXX: Exception using the lower value | XXX: Received exception using the lower value |  | Acknowledged |  | C B |
| XXX | XXX | 304756910 | XXX-01 | 11/10/2025 | Credit | No Findings | No Credit Findings | The loan meets all applicable guidelines |  |  |  | Cleared |  | A |

---

## Exhibit 99.19

[j.p. morgan acceptance corporation ii abs-15G](jpmmt-abs15g.htm)

**Exhibit 99.19**

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan ID** | **Initial DBRS Compliance Loan Grade** | **Final DBRS Compliance Loan Grade** | **Initial Moody's Compliance Loan Grade** | **Final Moody's Compliance Loan Grade** | **Initial Fitch Compliance Loan Grade** | **Final Fitch Compliance Loan Grade** | **Initial Kroll Compliance Loan Grade** | **Final Kroll Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Originator QM/ATR Status** | **TPR QM/ATR Status** |
| 304828930 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304748769 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304846248 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 304840827 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304858395 | XXX D B A | N/A | N/A C B D | N/A | N/A C B D | N/A | N/A C B D | N/A | N/A C B D | N/A | N/A C B | ATR/QM: Exempt | ATR/QM: Exempt |
| 304847861 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 304846941 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304858393 | XXX C B A | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | ATR/QM: Exempt | ATR/QM: Exempt |
| 304776843 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304871982 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 304846902 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304855029 | XXX C B A | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | ATR/QM: Exempt | ATR/QM: Exempt |
| 304874106 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304862320 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304838931 | XXX C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | ATR/QM: Exempt | ATR/QM: Exempt |
| 304826982 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304846990 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304876524 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304894542 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304866788 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304844577 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304894592 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304861539 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304865207 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304854855 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304870015 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304856485 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304887769 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304873978 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304871450 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304875124 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304862130 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304845366 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304865041 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304879049 | XXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304875646 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304868107 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304870009 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304854952 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304870031 | XXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304865052 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304858389 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304862200 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304871420 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304862134 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304872622 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304865129 | XXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304891137 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304869248 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304843301 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304870017 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304875644 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304868231 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304875145 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304875153 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304865403 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304872534 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304855019 | XXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304874312 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304876098 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 304876102 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304887770 | XXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304862310 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304875643 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304866592 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304873913 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304866968 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304891155 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304896336 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304876005 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 304889737 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304875154 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304874879 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304865131 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304876521 | XXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304847002 | XXX D A C | N/A | N/A D C | N/A | N/A D C | N/A | N/A D C | N/A | N/A D C | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304892981 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304875157 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304871406 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304869254 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304892983 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304887767 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 304866964 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304893922 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304873987 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304871975 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304865042 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304878891 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304905000 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304875132 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304874748 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304872142 | XXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304875638 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304872519 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304891044 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304874878 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304878896 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304860692 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304896221 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304873094 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304897007 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304893698 | XXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304873551 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304847000 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304897269 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304874407 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304847001 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304874875 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304893689 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304874880 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304876090 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304867858 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304877931 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304892980 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304872143 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304889685 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304878889 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304844576 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304872621 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304878890 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304895011 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304897365 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304888282 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304902314 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304865407 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304897005 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304889679 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304873561 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304897268 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304875635 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304876520 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304871446 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304902331 | XXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304897425 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304892977 | XXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304862107 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304893688 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304892988 | XXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304874101 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304904563 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304897349 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304907229 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304892975 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304845387 | XXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304898887 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304894617 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304889665 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304874820 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304897350 | XXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304329799 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304459204 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304393296 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304459356 | XXX D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304458657 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304635611 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304640045 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304679578 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304702413 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304694393 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304700216 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304720574 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304730755 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304748418 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304748477 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304734131 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304768561 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304789508 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304779920 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304777804 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304819491 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304816316 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304774673 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304823412 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 304846400 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304870006 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304846989 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304861531 | XXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304827635 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304868287 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304844326 | XXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304862113 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304866581 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304868115 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304854852 | XXX D A C | N/A | N/A D C | N/A | N/A D C | N/A | N/A D C | N/A | N/A D C | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304862319 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304855034 | XXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304872149 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304849259 | XXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304840829 | XXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304871436 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304849260 | XXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304852950 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304872532 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304820304 | XXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304846904 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304846911 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304865128 | XXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304869199 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304866790 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304868242 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304869206 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304828417 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304852952 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304856468 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304871412 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304874310 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304849338 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304873985 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304870081 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304862129 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304866787 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304873097 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304872530 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304860667 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304860682 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304871976 | XXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304869198 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304878900 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304874109 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304855022 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304871410 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304855030 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304841505 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304858950 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304843768 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304873912 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304846866 | XXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304852317 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304855028 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304869188 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304874526 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304869251 | XXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304843756 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304845377 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304871986 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304845641 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304865056 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304845384 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304868244 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304779784 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304779639 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 304779741 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304824829 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304749883 | XXX C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848540 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848529 | XXX C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848518 | XXX C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848512 | XXX C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304754793 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304758927 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304811703 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304728840 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304876104 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304897433 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304892991 | XXX C A | A | A C | A | A C | A | A C | A | A C | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304874108 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304889744 | XXX D A | A | A D | A | A D | A | A D | A | A D | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304897369 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304893697 | XXX C A | C | A C | C | A C | C | A C | C | A C | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304896378 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304889676 | XXX D A | A | A D | A | A D | A | A D | A | A D | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304889743 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304902329 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304877933 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304878892 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304905116 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304893978 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304904554 | XXX B A | B | A B | B | A B | B | A B | B | A B | B | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304903230 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304898882 | XXX B A | B | A B | B | A B | B | A B | B | A B | B | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304904448 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304904542 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304877929 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304875126 | XXX D A | A | A D | A | A D | A | A D | A | A D | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304903223 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304891041 | XXX D A | A | A D | A | A D | A | A D | A | A D | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304893853 | XXX D A | A | A D | A | A D | A | A D | A | A D | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304891129 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304897265 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304892935 | XXX A | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304841652 | XXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304878868 | XXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304811631 | XXX D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304902819 | XXX D A | A | A D | A | A D | A | A D | A | A D | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304764054 | XXX C B A | C | B A C | C | B A C | C | B A C | C | B A C | C | B A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304735911 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304875918 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304844270 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304757689 | XXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304875916 | XXX C A | C | A C | C | A C | C | A C | C | A C | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304812617 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304817971 | XXX C A | C | A C | C | A C | C | A C | C | A C | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304844104 | XXX D A | A | A D | A | A D | A | A D | A | A D | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304844070 | XXX C A | A | A C | A | A C | A | A C | A | A C | A | A C | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304875904 | XXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304844051 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304875902 | XXX D A | A | A D | A | A D | A | A D | A | A D | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304859710 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304859701 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304859697 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304859686 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304843976 | XXX C B A | C | B A C | C | B A C | C | B A C | C | B A C | C | B A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304859669 | XXX C A | A | A C | A | A C | A | A C | A | A C | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304859665 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304875900 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304859659 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304859651 | XXX C A | C | A C | C | A C | C | A C | C | A C | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304871922 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304843867 | XXX D A | A | A D | A | A D | A | A D | A | A D | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304843864 | XXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304875895 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304859636 | XXX C A | C | A C | C | A C | C | A C | C | A C | C | A C | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304875894 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304871910 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304859607 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304859604 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304859599 | XXX C A | C | A C | C | A C | C | A C | C | A C | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304875886 | XXX D A | A | A D | A | A D | A | A D | A | A D | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304871900 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304902792 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304871885 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304859580 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304875874 | XXX D A | D | A D | D | A D | D | A D | D | A D | D | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304871866 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304859551 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304875869 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304902785 | XXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304875868 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304859512 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304871845 | XXX D A | C | A D | C | A D | C | A D | C | A D | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304893344 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304875851 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304859475 | XXX C A | C | A C | C | A C | C | A C | C | A C | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304875848 | XXX D A | A | A D | A | A D | A | A D | A | A D | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304875847 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304875835 | XXX C A | A | A C | A | A C | A | A C | A | A C | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304871794 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304902748 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304893306 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304871765 | XXX C A | C | A C | C | A C | C | A C | C | A C | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304871763 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304893299 | XXX B | A | A B | A | A B | A | A B | A | A B | A | A | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors |
| 304871749 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304902739 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304893280 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304893279 | XXX D B A | A | A B D | A | A B D | A | A B D | A | A B D | A | A B | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304871691 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304871684 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304875772 | XXX D A | A | A D | A | A D | A | A D | A | A D | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304871672 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304902706 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304875754 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304875744 | XXX C A | A | A C | A | A C | A | A C | A | A C | A | A C | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304902687 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304875742 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304902658 | XXX D A | D | A D | D | A D | D | A D | D | A D | D | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304875689 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304875665 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304893171 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304893145 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304902599 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304893124 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304902587 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304902481 | XXX B A | A | A B | A | A B | A | A B | A | A B | A | A B | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304866944 | XXX C A | A | A C | A | A C | A | A C | A | A C | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304816759 | XXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304866930 | XXX D A | B | A D | B | A D | B | A D | B | A D | B | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304866926 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304757018 | XXX D A | C | A D | C | A D | C | A D | C | A D | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304756904 | XXX B A | B | A B | B | A B | B | A B | B | A B | B | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304866841 | XXX B A | B | A B | B | A B | B | A B | B | A B | B | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304764064 | XXX D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304818142 | XXX C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304875917 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304823807 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304812637 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304823736 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304812583 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304844205 | XXX D A C | N/A | N/A D C | N/A | N/A D C | N/A | N/A D C | N/A | N/A D C | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304823600 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304859597 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304752090 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304844259 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848378 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304843926 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304843962 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 304871680 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304844108 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304844059 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304859667 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304859643 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304871865 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304871944 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304859722 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304859713 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304859556 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304859750 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304871778 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304875718 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304875866 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304893043 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304871854 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304893329 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304875823 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304866759 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304875819 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304875818 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304875816 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304893375 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304902808 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304902773 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304902736 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304902693 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304893332 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304893336 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304902774 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304902758 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304871694 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304902718 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304902690 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848381 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304902762 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304902743 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304902680 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304893215 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304859749 | XXX C B A | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | ATR/QM: Exempt | ATR/QM: Exempt |
| 304902670 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304902616 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304902556 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304902450 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304902784 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304871671 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304893228 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304893223 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304875698 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304902629 | XXX D A | N/A | N/A C D | N/A | N/A C D | N/A | N/A C D | N/A | N/A C D | N/A | N/A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 304893122 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304893085 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304902639 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304902732 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304902791 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304893331 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304902588 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304902812 | XXX C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304844020 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304893243 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304902810 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304902765 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304902702 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304902475 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304438772 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304511388 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304681798 | XXX D A C | N/A | N/A D C | N/A | N/A D C | N/A | N/A D C | N/A | N/A D C | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304699832 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304748519 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304748517 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304735964 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304748522 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304748516 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304757677 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304757206 | XXX A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 304816559 | XXX A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304827836 | XXX A B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | ATR/QM: Exempt | ATR/QM: Exempt |
| 304756910 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |

---

## Exhibit 99.20

[j.p. morgan acceptance corporation ii abs-15G](jpmmt-abs15g.htm)

**Exhibit 99.20**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Second Desk Review Variance Amount** | **Second Desk Review Variance Percent** | **Second Desk Review Appraisal Date** | **Second Desk Review Appraised Value** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 304828930 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 304748769 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Eligible | 1 |  |
| 304846248 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Eligible | 1 |  |
| 304840827 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 51.58% | 51.58% |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -1.54% | 94% | 6% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304858395 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304847861 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Not Eligible | N/A |  |
| 304846941 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 36.51% | 36.51% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304858393 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304776843 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Eligible | 2.1 |  |
| 304871982 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 304846902 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304855029 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 77.84% | 77.84% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 304874106 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 304862320 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Eligible | 1.9 |  |
| 304838931 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 304826982 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 304846990 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304876524 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 40.97% | 40.97% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | n/a |  |
| 304894542 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304866788 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 73.85% | 73.85% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304844577 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304894592 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304861539 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304865207 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304854855 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304870015 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304856485 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304887769 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 79.38% | 79.38% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304873978 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 304871450 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 61.41% | 61.41% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304875124 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 47.93% | 47.93% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304862130 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304845366 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 304865041 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 304879049 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 52.31% | 52.31% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304875646 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 304868107 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304870009 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304854952 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Eligible | 2.2 |  |
| 304870031 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 68.75% | 68.75% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Eligible | 1 |  |
| 304865052 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 304858389 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 304862200 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 55.00% | 55.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304871420 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 304862134 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 5.13% | 92% | 8% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304872622 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 77.00% | 77.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 304865129 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Not Eligible | N/A |  |
| 304891137 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Not Eligible | N/A |  |
| 304869248 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304843301 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 64.77% | 64.77% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304870017 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Eligible | 1 |  |
| 304875644 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 68.69% | 68.69% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304868231 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 73.17% | 73.17% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 304875145 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304875153 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 304865403 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304872534 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 54.55% | 54.55% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304855019 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 61.56% | 61.56% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304874312 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304876098 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 69.93% | 69.93% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Eligible | 1.1 |  |
| 304876102 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304887770 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 61.50% | 61.50% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304862310 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 58.97% | 58.97% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304875643 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 304866592 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304873913 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 304866968 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304891155 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304896336 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304876005 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304889737 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 41.03% | 95% | 5% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304875154 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 304874879 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 39.72% | 39.72% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304865131 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 65.24% | 65.24% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 304876521 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304847002 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  | $XXX | $XXX | -7.32% | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304892981 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 59.03% | 59.03% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304875157 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 304871406 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304869254 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 50.19% | 50.19% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304892983 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 41.38% | 41.38% |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 3.58% | 96% | 4% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304887767 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 44.62% | 44.62% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 304866964 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304893922 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 304873987 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304871975 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 304865042 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 64.71% | 64.71% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304878891 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304905000 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304875132 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 74.87% | 74.87% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304874748 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 69.89% | 69.89% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 304872142 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 304875638 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 304872519 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 304891044 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304874878 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304878896 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 39.58% | 39.58% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304860692 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304896221 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 65.79% | 65.79% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304873094 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304897007 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 304893698 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 12.01% | 12.01% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304873551 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 304847000 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Eligible | 2 |  |
| 304897269 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 49.70% | 49.70% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 304874407 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304847001 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 304874875 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.50% | 75.50% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 304893689 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304874880 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304876090 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Not Eligible | N/A |  |
| 304867858 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 74.07% | 74.07% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304877931 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 304892980 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 53.01% | 53.01% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 304872143 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 304889685 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304878889 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -7.68% | 90% | 10% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304844576 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304872621 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304878890 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 304895011 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 58.55% | 58.55% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304897365 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 304888282 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Eligible | 2.2 |  |
| 304902314 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 74.32% | 74.32% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304865407 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 304897005 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 304889679 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 63.56% | 63.56% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 304873561 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 32.71% | 32.71% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 304897268 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Eligible | 1 |  |
| 304875635 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 304876520 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304871446 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304902331 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 79.25% | 79.25% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Eligible | 1 |  |
| 304897425 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304892977 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 304862107 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 43.85% | 43.85% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304893688 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304892988 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304874101 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304904563 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 46.03% | 46.03% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304897349 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304907229 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 304892975 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304845387 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 304898887 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304894617 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 304889665 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 304874820 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304897350 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 304329799 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 58.10% | 58.10% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 1.8 |  |
| 304459204 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 65.21% | 65.21% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304393296 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 77.37% | 77.37% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304459356 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 1.25% | 90% | 10% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304458657 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304635611 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.56% | 94% | 6% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304640045 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 69.53% | 69.53% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 304679578 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304702413 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304694393 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.40% | 70.40% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 304700216 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 78.83% | 78.83% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 304720574 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Not Eligible | N/A |  |
| 304730755 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304748418 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 79.53% | 79.53% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304748477 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 78.13% | 78.13% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304734131 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 304768561 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304789508 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304779920 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 304777804 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 304819491 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304816316 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304774673 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304823412 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304846400 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304870006 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 63.32% | 63.32% |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -9.68% | 96% | 4% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304846989 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304861531 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 61.93% | 61.93% |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.87% | 96% | 4% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304827635 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304868287 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 304844326 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 72.75% | 72.75% |  |  |  |  |  |  |  |  | $XXX | $XXX | 6.50% | XX/XX/XXXX | Form 2055 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304862113 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 304866581 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -8.80% | 90% | 10% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304868115 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 304854852 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304862319 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 50.41% | 50.41% |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.57% | 96% | 4% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304855034 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 63.62% | 63.62% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304872149 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304849259 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 73.56% | 73.56% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304840829 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 304871436 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 69.07% | 69.07% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 304849260 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 71.93% | 71.93% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304852950 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 304872532 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 304820304 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 74.90% | 74.90% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304846904 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304846911 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304865128 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 54.93% | 54.93% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304869199 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 304866790 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304868242 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304869206 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 304828417 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304852952 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 304856468 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 304871412 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 304874310 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 304849338 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 304873985 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 304870081 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 304862129 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Not Eligible | 3.3 |  |
| 304866787 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304873097 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304872530 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304860667 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304860682 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 304871976 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304869198 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -6.59% | 98% | 2% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304878900 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 304874109 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 19.70% | 19.70% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304855022 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304871410 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 304855030 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304841505 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Eligible | 1.3 |  |
| 304858950 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 304843768 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304873912 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304846866 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304852317 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304855028 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 79.91% | 79.91% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304869188 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 36.99% | 36.99% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 304874526 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 74.43% | 74.43% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 304869251 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304843756 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 79.31% | 79.31% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304845377 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304871986 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304845641 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 79.92% | 79.92% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304865056 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Eligible | 1 |  |
| 304845384 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 29.52% | 29.52% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Eligible | 1 |  |
| 304868244 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 69.92% | 69.92% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304779784 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 69.20% | 69.20% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304779639 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304779741 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 77.14% | 77.14% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304824829 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304749883 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 69.19% | 69.19% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304848540 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 52.69% | 52.69% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304848529 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304848518 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304848512 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304754793 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304758927 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 74.69% | 74.69% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304811703 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728840 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304876104 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.00% | 85.00% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 |  |
| 304897433 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304892991 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 304874108 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |  |
| 304889744 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304897369 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 63.91% | 63.91% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304893697 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |  |
| 304896378 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304889676 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 28.75% | 28.75% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| 304889743 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |  |
| 304902329 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.00% | 85.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 304877933 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304878892 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 48.84% | 48.84% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304905116 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.00% | 85.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304893978 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 71.10% | 71.10% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304904554 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 47.62% | 47.62% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304903230 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304898882 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304904448 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304904542 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.77% | 74.77% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304877929 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.82% | 79.82% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 304875126 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | $XXX | $XXX | -0.32% | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.32% | 96% | 4% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304903223 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.00% | 85.00% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.2 |  |
| 304891041 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.98% | 74.98% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  |
| 304893853 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304891129 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304897265 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.96% | 69.96% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 304892935 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 68.60% | 68.60% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304841652 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 304878868 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.00% | 75.00% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304811631 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304902819 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 48.09% | 48.09% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304764054 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304735911 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.11% | 79.11% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304875918 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.09% | 72.09% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 304844270 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.04% | 74.04% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 304757689 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304875916 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.6 |  |
| 304812617 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.70% | 79.70% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304817971 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 33.06% | 33.06% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 304844104 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.00% | 85.00% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 304844070 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 32.10% | 32.10% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304875904 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.8 |  |
| 304844051 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304875902 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304859710 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 71.63% | 71.63% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 304859701 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 304859697 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304859686 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304843976 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304859669 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 304859665 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 304875900 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304859659 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 304859651 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 77.10% | 77.10% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 304871922 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304843867 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 304843864 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 304875895 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 304859636 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304875894 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304871910 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 304859607 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 77.98% | 77.98% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304859604 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.82% | 60.82% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304859599 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304875886 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% | $XXX | $XXX | -1.53% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -1.53% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 304871900 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.00% | 65.00% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.5 |  |
| 304902792 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | $XXX | $XXX | -8.65% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -8.65% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 304871885 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304859580 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 304875874 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304871866 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.82% | 64.82% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304859551 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304875869 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304902785 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 66.67% | 66.67% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 304875868 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 304859512 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304871845 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.5 |  |
| 304893344 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304875851 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304859475 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304875848 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00% | 70.00% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 304875847 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.83% | 72.83% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304875835 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304871794 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 304902748 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 55.82% | 55.82% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304893306 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 304871765 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.20% | 69.20% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304871763 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304893299 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.00% | 85.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304871749 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.00% | 85.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304902739 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304893280 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 304893279 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.6 |  |
| 304871691 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 35.90% | 35.90% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 304871684 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 304875772 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304871672 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.3 |  |
| 304902706 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304875754 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.42% | 65.42% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 304875744 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 304902687 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.9 |  |
| 304875742 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 304902658 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 304875689 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 304875665 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304893171 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 48.35% | 48.35% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304893145 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 85.00% | 85.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304902599 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304893124 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304902587 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 304902481 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% | $XXX | $XXX | -19.41% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -19.41% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304866944 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304816759 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% | $XXX | $XXX | 1.11% | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 1.11% | 94% | 6% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304866930 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% | $XXX | $XXX | -3.79% | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -3.79% | 89% | 11% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304866926 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | $XXX | $XXX | 0.65% | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.65% | 91% | 9% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304757018 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 304756904 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304866841 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | $XXX | $XXX | 2.76% | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 2.76% | 93% | 7% | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.6 |  |
| 304764064 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 304818142 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 85.00% | 85.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 304875917 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | XX/XX/XXXX | 1004D |  |  | Not Eligible | 3.7 |  |
| 304823807 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 40.98% | 40.98% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 304812637 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | XX/XX/XXXX | 1004D |  |  | Eligible | 1.7 |  |
| 304823736 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | XX/XX/XXXX | 1004D |  |  | Eligible | 1 |  |
| 304812583 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304844205 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 48.08% | 48.08% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 304823600 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 5.18% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304859597 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 304752090 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 51.76% | 51.76% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| 304844259 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 304848378 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 71A | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.57% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304843926 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 71.67% | 71.67% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| 304843962 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 78.75% | 78.75% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 304871680 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 304844108 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | XX/XX/XXXX | 1004D |  |  | Eligible | 1 |  |
| 304844059 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304859667 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 69.44% | 69.44% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304859643 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304871865 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304871944 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 77.89% | 77.89% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 304859722 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | XX/XX/XXXX | 1004D |  |  | Not Eligible |  |  |
| 304859713 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 304859556 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304859750 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | XX/XX/XXXX | 1004D |  |  | Eligible | 1 |  |
| 304871778 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304875718 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304875866 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 304893043 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.5 |  |
| 304871854 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| 304893329 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304875823 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304866759 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 71A | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304875819 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -9.68% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 304875818 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 304875816 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304893375 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 304902808 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | XX/XX/XXXX | 1004D |  |  | Not Eligible |  |  |
| 304902773 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304902736 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 304902693 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304893332 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 58.82% | 58.82% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304893336 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 58.82% | 58.82% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304902774 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304902758 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 74.90% | 74.90% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | XX/XX/XXXX | 1004D |  |  | Eligible | 2.3 |  |
| 304871694 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | XX/XX/XXXX | 1004D |  |  | Eligible | 1 |  |
| 304902718 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 304902690 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 304848381 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 71A | $XXX | 35.46% | 35.46% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 44.96% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304902762 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304902743 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304902680 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| 304893215 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304859749 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -11.11% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304902670 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304902616 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304902556 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 50.00% | 50.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304902450 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 50.00% | 50.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304902784 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | XX/XX/XXXX | 1004D |  |  | Not Eligible |  |  |
| 304871671 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 51.04% | 51.04% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 304893228 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 304893223 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304875698 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304902629 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 61.54% | 61.54% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 304893122 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 68.50% | 68.50% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304893085 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304902639 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 47.92% | 47.92% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 304902732 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 304902791 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 68.24% | 68.24% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 304893331 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 73.20% | 73.20% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.4 |  |
| 304902588 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304902812 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 304844020 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | XX/XX/XXXX | 1004D |  |  | Eligible | 1 |  |
| 304893243 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 304902810 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 69.90% | 69.90% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 304902765 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.8 |  |
| 304902702 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 69.92% | 69.92% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304902475 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 304438772 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 33.71% | 33.71% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304511388 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304681798 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 71A | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.77% |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304699832 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 304748519 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 71A | $XXX | 64.71% | 64.71% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -5.88% |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | XX/XX/XXXX | 1004D |  |  | Not Eligible |  |  |
| 304748517 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 71A | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -3.85% |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304735964 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304748522 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 71A | $XXX | 54.63% | 54.63% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 2.61% |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | XX/XX/XXXX | 1004D |  |  | Not Eligible |  |  |
| 304748516 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 71A | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304757677 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 304757206 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 71B | $XXX | 55.00% | 55.00% | $XXX | $XXX | 3.33% | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 3.33% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304816559 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 69.35% | 69.35% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304827836 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 71A | $XXX | 70.00% | 70.00% | $XXX | $XXX | -23.19% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -23.19% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304756910 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 71A | $XXX | 50.00% | 50.00% | $XXX | $XXX | 0.00% | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |

---

## Exhibit 99.21

[j.p. morgan acceptance corporation ii abs-15G](jpmmt-abs15g.htm)

**Exhibit 99.21**

![](ex9921001.jpg)

Executive Summary

JPMMT 2026-NQM1

&nbsp;&nbsp;&nbsp;&nbsp;(1) Type
of Assets.

Covius Real Estate Services, LLC ("CRES") performed the due diligence services described below on behalf of SG Capital Partners LLC (the "Client"). The loans were originated by two loan sellers and acquired directly (or indirectly) by JPMorgan Chase Bank, National Association through a Reliance Letter. The loan reviews were conducted in December 2023 and January 2024.

&nbsp;&nbsp;&nbsp;&nbsp;(2) Number
of Assets.

There are 2 assets in the loan population.

&nbsp;&nbsp;&nbsp;&nbsp;(3) Review
Process.

The post-closing loan reviews were graded in accordance with the following NRSRO(s) Third Party Due- Diligence Criteria, in addition to the review grading of "Meets Guidelines" or "Does Not Meet Guidelines":

---

| | |
|:---|:---|
| &nbsp;&nbsp;**NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;DBRS, Inc. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Third-Party Due- Diligence Criteria and Representations & Warranties for U.S. RMBS Transactions dated September 30, 2024 |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● U.S. RMBS Rating Criteria dated October 1, 2025<br>|
| &nbsp;&nbsp;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● US RMBS Rating Methodology, dated December 7, 2023<br>|
| &nbsp;&nbsp;Moody's Investors Service, Inc. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● US Residential Mortgage-backed Securitizations, dated August 20, 2025<br>|
| &nbsp;&nbsp;S&P Global, Inc. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Global Methodology And Assumptions: Assessing Pools Of Residential Loans, Jan. 25, 2019 <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Global Methodology And Assumptions: Assessing Pools Of Residential Loans--U.S. And Canada Supplement, Feb 21, 2025 |

---

The post-closing reviews included a re-underwrite of each borrowers' credit, an analysis of the property valuation, and regulatory compliance testing. Post-closing reviews are underwritten to the applicable lender's or client's underwriting guidelines and credit matrices. The review scope and methodology of these different review areas is discussed in subsequent sections of this document.

&nbsp;&nbsp;&nbsp;&nbsp;(4) Sample
size of the assets reviewed.

Page 1 of 8

The due diligence review was conducted on 100% of the mortgage loan population and consisted of 2 mortgage loans with an aggregate original principal balance of approximately $563,000. The mortgage loans originated in December 2024 by two correspondent Sellers.

&nbsp;&nbsp;&nbsp;&nbsp;(5) Asset
Review

In connection with the credit re-underwrite, CRES reviewed all origination documentation to determine conformity to the applicable underwriting guidelines and other regulatory requirements described below, including (if applicable) the Ability to Repay and Qualified Mortgage requirements. Review areas included, but are not limited to:

**Credit Review and Methodology**

**Credit Report**: Analyzed the Borrower's credit report/credit history, confirming that credit scores, liabilities and public records met guideline requirements. Liabilities gathered from the credit report were included in the re-calculation of the debt-to-income ratio as appropriate. In addition the following data was also captured and reviewed to confirm compliance with guideline and ASF reporting requirements: (i) credit report date, (ii) bankruptcy date, (iii) bankruptcy discharge date, (iv) bankruptcy chapter, (v) foreclosure date, (vi) short sell date, (vii) longest trade line (active), (viii) longest trade line balance (active), (ix) months reviewed, (x) number of trade lines, (xi) credit scores, (xii) revolving debts and (xiii) installments debts.

**Loan Application (1003):** Reviewed the Borrower's Loan Application including comparison of initial loan application against the final loan application, or other loan applications found in the file, to identify potential discrepancies. In addition the following data was also captured and reviewed to confirm compliance with guideline and ASF reporting requirements: (i) purpose, (ii) years in primary residence, (iii) number of mortgaged properties (as compared with the credit reports disclosed mortgages), (iv) application date, (v) borrower information (name, date of birth, social security number and number of family members), (vi) borrower's address, (vii) borrower(s)' employment information (including address, years at job, years in field), (vii) monthly income and (ix) citizenship.

**Loan Approval/Exception Form (if applicable):** Reviewed the Lender's approval and Client's exception approval documentation to confirm appropriate risk mitigating factors were present when granting exceptions.

**Sales Contract (if applicable):** Reviewed the sales contract to confirm buyer(s) and seller(s), sales price and property address matches other documents.

**Title:** Reviewed the title policy or commitment to identify possible judgments or other liens that may have existed at origination. In addition, proper vesting and parties (as disclosed on sales contract, note, and deed) were reflected accurately.

**Hazard and Flood Insurance:** Reviewed hazard and flood (if applicable) insurance to ensure policy met the minimum required amount of replacement coverage.

**Employment and Income (DTI Loans):** Reviewed borrower(s)' employment and income documentation used for qualification purposes and as applicable, Appendix Q or Ability to Repay, including recalculation of debt-to-income ratio (DTI) to confirm compliance with underwriting guidelines. Items reviewed included: (i) verbal or written verifications of employment, (ii) pay stubs, (iii) W-2's, (iv) federal tax returns, (v) bank statements, (vi) profit and loss statements, and (vii) IRS tax transcripts (when provided).

Page 2 of 8

**Leases and Market Rents (DSCR Loans):** Reviewed lease agreements and third-party market rent documents to confirm compliance with Debt-Service-Coverage-Ratio requirements. Note, the documentation that can be used to establish market rents can vary from lender to lender. CRES reviewed the market rent source to ensure compliance with applicable guidelines. In some cases, lenders may not require proof of market rents, if a sourced payment history can be provided along with the lease agreement.

**Assets:** Reviewed (i) bank statements, (ii) verification-of-deposit (VOD) and (iii) stock or security account statements to ensure adequate assets were provided verifying down payment, closing costs and reserves required by the guidelines.

**Guidelines:** Confirmed compliance with applicable underwriting guidelines and determined the qualification of credit and income, assets, property type and usage, LTV/CLTV, and documentation requirements to applicable underwriting guidelines and loan program matrices. Items included, but not limited to: FICO, housing history, bankruptcy and foreclosure seasoning, occupancy, credit grade, loan amounts (minimum and maximum), maximum cash out amount, reserves, residual income, minimum trade lines and debt to service coverage ratio requirements.

Unless otherwise stated in the Lender's or Client's guidelines, Fannie Mae guidelines prevail.

**Property Valuation Review and Methodology**

CRES reviewed the Appraisal for completeness and conformance to industry standards, including requirements set forth in Title XI of FIRREA. The review included both data and description information provided by the appraiser. Review items included: (i) property address and borrower information matches the mortgage note and other critical origination documents, (ii) neighborhood characteristics and housing trends were acceptable and met applicable underwriting guidelines, (iii) site information for zoning compliance and possible adverse site notations reviewed for adverse conditions, FEMA Flood Zone designation matched the Flood Certification, (iv) property type and property description information met applicable underwriting guidelines, (v) comparable sales (sale dates, distance, gross and net adjustments, square footage, and value) met industry standards and were properly bracketed, (vi) comparable size, style, and location were similar to the subject address, (vii) condition of the property was average or better and notable repairs were addressed, (viii) appraisal was made on an "as is" basis or proper evidence of completion was obtained and clearly documented and addressed all "subject to" conditions noted, (ix) subject and comparable photos reviewed to ensure appraisal description information coincides with property pictures and that no visible adverse issues are present that the appraiser did not address, (x) appraisal was completed by a licensed appraiser and (xi) appraisal was completed within the required timing requirements, as disclosed in the applicable underwriting guidelines.

A Fannie Mae Uniform Collateral Data Portal Submission Summary Report with a Collateral Underwriter Risk Score of 2.5 or less or a secondary enhanced desk review product, (such as an ARR from ProTeck or CDA from Clear Capital), from an approved AMC was required on all transactions. In lieu of an enhanced desk review product, a field review or second appraisal from an approved AMC is acceptable. If the Appraisal Review Product value is more than 10% below the appraised value, a second field review or appraisal was required. In certain cases, sellers may include an enhanced desk review product from an approved AMC. All ARR or CDA documentation provided by an approved AMC vendor was recorded by CRES, as an acceptable valuation support option as long as valuations were obtained in accordance with guidelines and through notable AMC vendors. Any mortgage loans that did not maintain an enhanced desk review or did not meet the Client's vendor requirements were conditioned and communicated with the Client.

For mortgage loans that did not maintain an acceptable enhanced desk review product, CRES ordered an Appraisal Risk Review (ARR) or Collateral Desktop Analysis (CDA) from various Appraisal Management

Page 3 of 8

Companies (AMC) for valuation support. All loans outside of a 10% variance from the original appraised value were identified and communicated to the Client.

If material origination valuation discrepancies could not be resolved an exception was created and the applicable NRSROs valuation grade was recorded.

**Compliance Review Methodology**

The reviewed mortgage loans were classified as "business purpose". In such cases compliance TILA and Regulation Z requirements were not tested, as the law's provisions do not apply to an extension of credit if primarily for business or a commercial purpose (12 C.F.R. §1026.3(a); 15 U.S.C. § 1603).

Compliance testing was limited to:

● A review of the Note and Mortgage for accuracy.

● Review of Occupancy and Business Purpose Certifications

● State and Federal High Cost and Higher-Priced

● Cook County High-Cost Ordinance

Note that CRES determines the mortgage loan's status under the ATR or QM rule requirements and assigns a proper due diligence mortgage loan designation that is solely based on the documentation available at the time of the review. The reviewed mortgage loans were classified as Not Covered/Exempt: Loans that are not covered by the rule.

*The table below contains the TRID eligible breakdown for the loan population:*

---

| | | |
|:---|:---|:---|
| | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | &nbsp;&nbsp;&nbsp;**Percentage of Population** |
| &nbsp;&nbsp;**Investment/Business Purpose Loans** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2 | &nbsp;&nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Initial Application Date prior to October 3, 2015** | &nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**CRES Level II TRID Review** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;&nbsp;0.00% |

---

**Document Review**

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

● Appraisal.

● Asset documentation.

● Business Purpose Certification (if applicable)

● Changed circumstance documentation.

● Credit report.

● FACTA disclosures.

● Final 1003.

● Final HUD-1/Closing Disclosure(s).

● Hazard and/or flood insurance policies.

● HUD from sale of previous residence.

● Homeownership counseling organizations disclosure.

● Income and employment documentation.

● Initial and final GFE's.

● Initial application (1003).

Page 4 of 8

● Initial escrow disclosure.

● Initial TIL.

● Leases

● Loan Estimate(s).

● Market Rent supporting documentation

● Mortgage Insurance.

● Mortgage/Deed of Trust.

● Note.

● Notice of Special Flood Hazards.

● Sales contract.

● Tangible Net Benefit Disclosure.

● Title/Preliminary Title.

● Written List of Service Providers.

&nbsp;&nbsp;&nbsp;&nbsp;(6) Tape
Data Compare

CRES compared data fields on the data tape provided by the Client to the data points disclosed on the actual mortgage loan file documents, as captured by CRES. When data was available, the following data elements were compared:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Note Type | &nbsp;&nbsp;Property Zip |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Doc Level | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;QM Type |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;Loan Term | &nbsp;&nbsp;P&I Payment |  |
| &nbsp;&nbsp;DTI | &nbsp;&nbsp;LTV | &nbsp;&nbsp;Property City | |
| &nbsp;&nbsp;FICO | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Property State | |

---

The seller provided CRES with loan level data regarding the mortgage loans for the data integrity check. CRES received the data directly from the seller through a loan registrations system or via a data tape.

Of the 2 mortgage loans reviewed, one unique mortgage loan had a tape discrepancy across 21 data fields. The following table discloses the number of data discrepancies noted by field name. Note, tape data was not provided on certain field compare values. The fields in which tape data was not available is noted below; however, a data discrepancy was not counted if the seller failed to provide a compare value.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Compare** | &nbsp;&nbsp;**Discrepancy: No** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Discrepancy: Yes** | **Total** |
| &nbsp;&nbsp;**Appraised Value** | &nbsp;&nbsp;2 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**0** | **2** |
| &nbsp;&nbsp;**CLTV** | &nbsp;&nbsp;2 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | **2** |
| &nbsp;&nbsp;**Doc Level** | &nbsp;&nbsp;2 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | **2** |
| &nbsp;&nbsp;**DSCR\*** | &nbsp;&nbsp;2 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | **2** |
| &nbsp;&nbsp;**DTI** | &nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | **2** |
| &nbsp;&nbsp;**FICO** | &nbsp;&nbsp;2 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | **2** |
| &nbsp;&nbsp;**First Payment Date** | &nbsp;&nbsp;2 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | **2** |
| &nbsp;&nbsp;**Interest Rate** | &nbsp;&nbsp;2 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | **2** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;2 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | **2** |
| &nbsp;&nbsp;**Loan Term** | &nbsp;&nbsp;2 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | **2** |
| &nbsp;&nbsp;**LTV** | &nbsp;&nbsp;2 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | **2** |
| &nbsp;&nbsp;**Note Date\*** | &nbsp;&nbsp;2 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | **2** |
| &nbsp;&nbsp;**Note Type** | &nbsp;&nbsp;2 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | **2** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;2 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | **2** |
| &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;2 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | **2** |

---

Page 5 of 8

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**P&I Payment** | &nbsp;&nbsp;2 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;**2** |
| &nbsp;&nbsp;**Property City** | &nbsp;&nbsp;2 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;**2** |
| &nbsp;&nbsp;**Property State** | &nbsp;&nbsp;2 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;**2** |
| &nbsp;&nbsp;**Property Zip** | &nbsp;&nbsp;2 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;**2** |
| &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;2 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;**2** |
| &nbsp;&nbsp;**QM Type\*** | &nbsp;&nbsp;2 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;**2** |
| &nbsp;&nbsp;\* Tape data was not available. | &nbsp;&nbsp;\* Tape data was not available. | &nbsp;&nbsp;\* Tape data was not available. | &nbsp;&nbsp;\* Tape data was not available. |

---

&nbsp;&nbsp;&nbsp;&nbsp;(7) Credit,
Compliance and Property Valuation Results

**Credit Results Summary**

Approximately 100.00% of the mortgage loans by number have a Credit grade of "B" or higher and 50.00% of the mortgage loans by number have a Credit grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |

---

**Compliance Results Summary**

Approximately 100.00% of all mortgage loans by number have a Compliance grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |

---

**Property Valuation Results Summary**

Approximately 100.00% of the mortgage loans by number have a Property Valuation grade of "A.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp; **100.00%** |

---

**Overall Results Summary**

Approximately 100.00% of all mortgage loans by number received an "A" or "B" overall grade and 50.00% of all mortgage loans by number received an overall grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |

---

Page 6 of 8

&nbsp;&nbsp;&nbsp;&nbsp;(8) Pool
Stratification Summary

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Note Type** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**Arm** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Fixed** | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**Owner Occupied** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Non-Owner Occupied** | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Second Home** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**Purchase** | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Refi - Cash Out** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Rate Term Refi** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**Single Family** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**PUD** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Condo** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**2-4 Family** | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Commercial** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Townhome** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Mixed Use** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Debt to Income** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**0-9.99%\*** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**10%-19.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**20%-29.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**30%-39.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**40%-49.99%** | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**50%-60.00%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |
| **One loan qualified under a DSCR loan program.** | **One loan qualified under a DSCR loan program.** | **One loan qualified under a DSCR loan program.** |

---

Page 7 of 8

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DSCR Loans** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp; **<0 or** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp; **0-0.199** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp; **0.2-0.399** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp; **0.4-0.599** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp; **0.6-0.799** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp; **0.8-.999** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp; **1-1.199** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp; **1.2-1.399** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp; **1.4-1.599** | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp; **1.6-1.799** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp; **1.8-1.999** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp; **=>2** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Loan to Value** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**10%-19.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**20%-29.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**30%-39.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**40%-49.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**50%-59.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**60%-69.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**70%-79.99%** | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**80%-89.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**90%-100%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**State** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**MA** | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;**NJ** | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |

---

Page 8 of 8

## Exhibit 99.22

[j.p. morgan acceptance corporation ii abs-15G](jpmmt-abs15g.htm)

**Exhibit 99.22**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Alt Loan Number** | **Tape** | **Audited** | **Field Compare** | **Variance** | **Data Discrepancy Flag** |
| XXXXXXXXXX | 304090174 | 44.68 | 47.86 | DTI | 3.18 | Yes |

---

## Exhibit 99.232

[j.p. morgan acceptance corporation ii abs-15G](jpmmt-abs15g.htm)

**Exhibit 99.23**

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller Loan ID** | **Alt Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Condition Category** | **Condition Sub Category** | **Condition Status** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| XXXXXXXXXXX | 304090174 | XXXXXXXXXXX | XXXXXXXXXXX | Not covered/exempt | Not covered/exempt A |  |  | A |  |  | No |  |  |  |  |  |  |
| XXXXXXXXXXX | 304090153 | XXXXXXXXXXX | XXXXXXXXXXX | Not covered/exempt | Not covered/exempt C B A | Credit | Program Eligibilty | Client Accepted B | 2707 | Assignment of contract with 3rd party fees (no wholesales/finders) are not permitted. | No | Exception for Assignment of contract with 3rd party fees approved by XXXX and in file. |  | Client Accepted |  |  | Credit Score - The borrowers Fico of 733 is 93 points greater than the minimum required Fico of 640. |
| XXXXXXXXXXX | 304090153 | XXXXXXXXXXX | XXXXXXXXXXX | Not covered/exempt | Not covered/exempt C B A | Credit | Asset Verification | Cleared Exception A | 2822 | The final HUD indicated closing funds of $XXXX. The loan file incldued verifiction of $XXXX. The loan file was short $XXXX in closing funds. | No | 12/28: XXXX screenshot provided shows XXXX transfers from XXXX different accounts. Provide the bank statements for these XXXX accounts verifying the account holders. Additional conditions may apply. 01/02/24: Documentation provided to cure. | The most recent ending for XXXX is XXXX.<br> Bank Statement XXXX.pdf (Bank Statement) was uploaded | Cleared Exception |  |  |  |
| XXXXXXXXXXX | 304090153 | XXXXXXXXXXX | XXXXXXXXXXX | Not covered/exempt | Not covered/exempt C B A | Credit | Asset Verification | Cleared Exception A | 2822 | The final HUD indicated closing funds of $XXXX. The loan file incldued verifiction of $XXXX. The loan file was short $XXXX in closing funds. | No | 12/28: XXXX screenshot provided shows XXXX transfers from XXXX different accounts. Provide the bank statements for these XXXX accounts verifying the account holders. Additional conditions may apply. 01/02/24: Documentation provided to cure. | Bank Statement XXXX (Bank Statement) was uploaded | Cleared Exception |  |  |  |
| XXXXXXXXXXX | 304090153 | XXXXXXXXXXX | XXXXXXXXXXX | Not covered/exempt | Not covered/exempt C B A | Credit | LTV | Cleared Exception A | 2715 | The LTV of 80.41% exceeds the maximum allowed of 80%. | No | 12/28: HUD-1 reflects a sales price of XXXX which results in LTV of 80.41%. 1/2: XXXX approved an exception for assignment fee to use purchase price of $XXXX to calculate LTV. | We are seeing an LTV of 75% based on a purchase price of $XXXX. Please note that we received an exception for the assigment fee to be permitted. (See attached.)<br> XXXX approved an exception for assignment fee.pdf (Unclassified) was uploaded | Cleared Exception |  |  |  |
| XXXXXXXXXXX | 304090153 | XXXXXXXXXXX | XXXXXXXXXXX | Not covered/exempt | Not covered/exempt C B A | Credit | Asset Verification | Cleared Exception A | 2822 | The final HUD indicated closing funds of $XXXX. The loan file incldued verifiction of $XXXX. The loan file was short $XXXX in closing funds. | No | 12/28: XXXX screenshot provided shows XXXX transfers from XXXX different accounts. Provide the bank statements for these XXXX accounts verifying the account holders. Additional conditions may apply. 01/02/24: Documentation provided to cure. | We would like to use the attached XXXX account for the asset requirement instead of XXXX. XXXX has advised me to upload the XXXX statements for review. Please see attached.<br> Bank Statement XXXX.pdf (Bank Statement) was uploaded | Cleared Exception |  |  |  |
| XXXXXXXXXXX | 304090153 | XXXXXXXXXXX | XXXXXXXXXXX | Not covered/exempt | Not covered/exempt C B A | Credit | Asset Verification | Cleared Exception A | 2822 | The final HUD indicated closing funds of $XXXX. The loan file incldued verifiction of $XXXX. The loan file was short $XXXX in closing funds. | No | 12/28: XXXX screenshot provided shows XXXX transfers from XXXX different accounts. Provide the bank statements for these XXXX accounts verifying the account holders. Additional conditions may apply. 01/02/24: Documentation provided to cure. | Bank Statement XXXX.pdf (Bank Statement) was uploaded | Cleared Exception |  |  |  |
| XXXXXXXXXXX | 304090153 | XXXXXXXXXXX | XXXXXXXXXXX | Not covered/exempt | Not covered/exempt C B A | Credit | LTV | Cleared Exception A | 2715 | The LTV of 80.41% exceeds the maximum allowed of 80%. | No | 12/28: HUD-1 reflects a sales price of $XXXX which results in LTV of 80.41%. 1/2: XXXX approved an exception for assignment fee to use purchase price of $XXXX to calculate LTV. | LTV should be based on $XXXX purchase price per the assignment of contract exception approval. Please cancel exception | Cleared Exception |  |  |  |

---

## Exhibit 99.24

[j.p. morgan acceptance corporation ii abs-15G](jpmmt-abs15g.htm)

**Exhibit 99.24**

---

| | | |
|:---|:---|:---|
| **Rating Agency Grades: 1/8/2026** | **Rating Agency Grades: 1/8/2026** | **Rating Agency Grades: 1/8/2026** |
| **Loan Information** | **Loan Information** | **Loan Information** |
| **Loan Number** | **Alternate Loan ID** | **Note Original Balance** |
| XXXXXXXXXX | 304090174 | XXXXXXXXXX A |
| XXXXXXXXXX | 304090153 | XXXXXXXXXX C A B |

---

## Exhibit 99.25

[j.p. morgan acceptance corporation ii abs-15G](jpmmt-abs15g.htm)

**Exhibit 99.25**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** |
| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score** |
| **Loan Number** | **Alt Loan Number** | **Origination Date** | **Original Loan Amount** | **LTV** | **Value Used For LTV** | **Sale Price** | **Appraised Value** | **Appraisal Date** | **Second Appraisal Value** | **Second Appraisal Type** | **Value** | **Variance Amount** | **Variance (%)** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **CU Score** | **CU Date** |
| XXXXXXXXX | 304090174 | XX/XX/XXXX | XXXXXXXXX | 76.79% | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | XXXXXXXXX | -3.77% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 304090153 | XX/XX/XXXX | XXXXXXXXX | 75.00% | Sale Price | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |

---

## Exhibit 99.26

[j.p. morgan acceptance corporation ii abs-15G](jpmmt-abs15g.htm)

**Exhibit 99.26**

Executive Summary

**4. Description of the Due Diligence Services**

**1.** **Type of Assets Reviewed** 

Inglet Blair, LLC ("IB") performed certain due diligence review services (the "Review"), as defined herein. The loans reviewed were originated from April 2025 to November 2025 and were collateralized by residential real estate and multi-family properties purchased by the applicable mortgagors for the purpose of generating rental income (the "Loans"). The Loans were acquired by JPMorgan Chase Bank, National Association (the "Client") from lenders and/or aggregators (the "Seller"), via bulk acquisition or reliance letter. The information provided below represents the approach and methodology used at the time of original acquisition by the Seller. Each of the Loans was acquired by the Seller from various lenders a lender through a delegated correspondent channel.

**2.** **Sample Size of Assets Reviewed** 

This report reflects 12 Loans selected by the Client to include in JPMMT 2026-NQM1 (the "Securitization"). Client did not disclose to IB if additional loans are included in the Securitization. While the Client may have included additional loans in the Securitization, such loans were not subject to the Review referenced herein. IB reviewed 100% of the Loans provided by the Client and can only assume the sample size was 100%.

**3.** **Sample Size Determination** 

The Client, in its sole discretion, determined the Loans to be reviewed by IB. As noted in Section 2 above, Client provided IB with 12 Loans, all of which were reviewed by IB. Therefore, IB used no sampling methodology in its Review.

**4.** **Information and Data Integrity** 

IB was provided certain data elements (the "Tape Data"), which were supplied by the Seller. The Seller aggregated the Tape Data from the various lenders. Each lender did not supply Seller with uniform Tape Data; thus, individual Loan Tape Data may not have included all data elements as detailed below in this Section 4. IB subsequently mapped and compared the Tape Data to information contained in each Loan file. When the data was provided, IB compared the following fields:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Field Name** | &nbsp;&nbsp;**Field Name** |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Total Debt to Income Ratio |
| &nbsp;&nbsp;Amortized Original Term | &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;ARM Initial Adjustment Period | &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;ARM Initial Rate Cap | &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;ARM Lookback Period | &nbsp;&nbsp;Loan Term |
| &nbsp;&nbsp;ARM Margin | &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;ARM Maximum Interest Rate | &nbsp;&nbsp;LTV |
| &nbsp;&nbsp;ARM Minimum Interest Rate | &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;ARM Payment Change Frequency | &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;ARM Periodic Rate Cap | &nbsp;&nbsp;Original Interest Rate |

---

Inglet Blair, LLC Deal Summary

JPMMT 2026-NQM1

pg. 1

---

| | |
|:---|:---|
| &nbsp;&nbsp;ARM Periodic Rate Cap at first Adjustment Down | &nbsp;&nbsp;Original Principal and Interest |
| &nbsp;&nbsp;ARM Periodic Rate Cap at first Adjustment Up | &nbsp;&nbsp;Original Principal Balance |
| &nbsp;&nbsp;ARM Rate Cap at first Adjustment Down | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;ARM Rate Cap at first Adjustment Up | &nbsp;&nbsp;Representative Credit Score |
| &nbsp;&nbsp;ARM Rate Change Frequency | &nbsp;&nbsp;Residual Income |
| &nbsp;&nbsp;ATR/QM Designation | &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Subject Address |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Subject City |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;Subject State |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Subject Zip Code |

---

**5.** **Underwriting, Origination Practices and Conformity to Guidelines and/or Criteria** 

Each Loan was reviewed to the applicable guideline, matrix and/or finding report, produced by an Automated Underwriting System ("AUS"), as provided to IB. Depending on the applicable guideline requirements, IB verified, recalculated and compared certain metrics and attributes:

- Debt to Income ("DTI")

- Debt Service Coverage Ratio ("DSCR")

- Loan to Value ("LTV") / Combined Loan to Value ("CLTV")

- Lien Position

- Gross Income

- Qualifying Principal, Interest, Taxes and Insurance ("PITI") payment

- Assets and Reserves

- Monthly debt service

- Residual Income

- Occupancy

- Property Type

To the extent prescribed by the applicable guidelines, every Loan received an evaluation of the applicable borrower's employment, income, assets and credit history as follows:

Employment and Income:

- Meets the guidelines and, as applicable, regulatory documentation requirements

- Creditor income calculations are reasonable and as prescribed by the applicable guidelines

- Ensure borrower(s) is/are currently employed

Assets

- Confirm asset source and documentation requirements

- Re-calculate gross, net and liquid asset balances

- Incorporate gift funds and sourcing documentation

- Confirm and calculate reserve calculations

Credit Report

- Determine representative Credit Score and Methodology

- Number of tradelines

Maximum amount of open tradelines

- Mortgage/Rental payment history

- Installment and Revolving payment history

- Bankruptcy and Foreclosure seasoning

- OFAC Alert(s)

Inglet Blair, LLC Deal Summary

JPMMT 2026-NQM1

pg. 2

Credit Application (FNMA Form 1003)

- Substantially complete

- Employer and employment status

- Confirmation of loan purpose and occupancy

- Disposition and status of Real Estate Owned (REO)

- First time home buyer status

- Citizenship and eligibility

Title Review - For each Loan the title commitment or, if present, final title policy was reviewed to confirm:

- Vestee(s)

- Title interest – Fee Simple or Leasehold

- Tax liens, encumbrances, encroachments and/or other title defects were satisfied or addressed

Fraud Report – IB reviewed each Loan file for the presence of a fraud report with all material findings addressed surrounding borrower name variances, social security number discrepancies, subject-property occupancy or employment history.

Hazard and Flood Insurance – Each Loan was reviewed to ensure that (i) each hazard policy limit met the applicable guideline requirement (ii) the property address was correct (iii) the premium was accurately reflected in the DTI calculation and (iv) escrowed where required.

Similarly, where the flood certificate indicates the property improvements were located in a flood zone, IB confirmed the coverage met the guideline requirements and, where applicable, the premium escrowed.

Closing/Legal Documents – All Loans received a review of the closing documentation. This includes the note, mortgage (and applicable riders), assignments, mortgage insurance certificates, underwriter approvals, and HUD-1 or Closing Disclosure, as applicable, are executed by all applicable parties and generally convey the terms of the Loan.

The information and findings provided herein were based on the information provided in the loan file images presented at the time of review.

**6.** **Collateral Review and Methodology** 

To establish reasonable support for the original appraised value, each qualifying appraisal was accompanied by one of the following: (i) an existing desk review report provided by the originator (or issuer), (ii) a second full appraisal (typically required by the guidelines) or (iii) a FNMA Collateral Underwriter ("CU") analysis with a score of 2.5 or less. In the event a loan did not contain any of the supplemental documentation, IB ordered an AVM, desk review or field review to fulfill the requirement. If any of the supplemental material(s) had an estimate of value that was lower than the original appraised value by 10% (or more), a field review (or suitable alternative) was obtained.

Each Loan was analyzed to confirm it was sufficiently collateralized by real property, and each appraisal was audited to address the following FIRREA/USPAP rules and standards:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Was the appraisal prepared for a financial services institution?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Does the appraisal state the definition of Market Value?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Does the appraisal indicate the appraiser's license or certification, number and expiration date?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Does the appraisal disclose any extraordinary assumptions, hypothetical conditions? Does the appraisal include a statement
of assumptions and limiting conditions?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If yes, do the items appear to be reasonable?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Is a minimum 3-year subject sale history included?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Does the report state the effective date of the appraisal?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Does the appraisal summarize the process used to collect, confirm, and report data?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Does the appraisal state the subject's highest and best use?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Does the appraisal clearly identify the real estate being appraised?

Inglet Blair, LLC Deal Summary

JPMMT 2026-NQM1

pg. 3

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. Does the appraisal state the real property interest being appraised?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. Does the report contain sufficient information?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;l. Was the appraisal reported on a FNMA appraisal form?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If yes, was the form materially complete?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;m. Which of the industry recognized methods of valuation were included that may have been utilized to support the institution's
decision to engage in the transaction?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Direct Sales Comparison Approach, Cost Approach, or Income Approach?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If any of these approaches have been omitted or excluded, is there sufficient explanation provided as to why?

**7.** **Regulatory Compliance Review to Federal, State and Local Lending Laws** 

All Loans deemed to be consumer purpose loans were submitted to an automated regulatory compliance review the "TRID Review". The system tested each applicable Loan for adherence to certain federal, state and local consumer protection laws related to mortgage lending. For eleven (11) business purpose loans, no TRID compliance testing was completed.

All applicable tests and disclosure reviews were graded in accordance with the SFA RMBS 4.0 TRID Compliance Review Scope standard as described below.

- Federal Truth in Lending Act– Regulation Z

○ Consumer Handbook on Adjustable Rate Mortgages (1026.19(b)(1))

● Confirm acknowledgement of receipt by the borrower or documentary evidence disclosure was delivered to the borrower(s)

○ Your Home Loan Toolkit (1026.19(g)(1))

● Confirm acknowledgement of receipt by the borrower or documentary evidence disclosure was delivered to the borrower(s)

● Provided within 3 business days of application

○ Federal High-cost (1026.32)

● Identify points and fees and/or APR threshold test failures

● Prepayment Penalty restrictions

○ Higher-priced Mortgage Loans (1026.35)

● APR Threshold with the corresponding appraisal and escrow requirements

○ Right of Rescission (1026.23)

● Review accuracy, timing and content of disclosure(s)

● Confirm all requisite consumers received notice and correct form

○ Qualified Mortgage Rule (1026.43(e))

● Perform points and fees test to confirm 3% threshold

● Adherence to Appendix Q and DTI below 43% or Temp QM

● Application Dates of 1/10/2014 to 2/28/2021

● Adherence to Appendix Q and DTI below 43% and/or Temp QM and/or APR/APOR threshold testing

● Application Dates of 3/1/2021 to 6/30/2021

● Adherence to Appendix Q and DTI below 43% and/or APR/APOR threshold testing

● Application Dates of 7/1/2021 to 9/30/2022

● APR/APOR threshold testing

● Application Dates on or after 10/1/2022\*

○ Subject to any guidance updates from regulators

● Loan does not contain "risky feature" (IO, Negative Amortization, etc.)

● Contain a valid and approved AUS, as applicable

● Ability-to-Repay ("ATR") (1026.43(c)(2) – IB reviewed each Loan for the applicable mortgagor's ability to repay; however, there is no representation or warranty, implied or otherwise, that a court (or other administrative/legislative authority) will agree with the

Inglet Blair, LLC Deal Summary

JPMMT 2026-NQM1

pg. 4

determination. IB objectively confirmed the following eight (8)-factors had been considered and, where applicable, documented:

● (i) The consumer 's current or reasonably expected income or assets, other than the value of the dwelling , including any real property attached to the dwelling , that secures the loan;

● (ii) If the creditor relies on income from the consumer 's employment in determining repayment ability , the consumer 's current employment status;

● (iii) The consumer 's monthly payment on the covered transaction, calculated in accordance with paragraph (c)(5) of this section;

● (iv) The consumer 's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made, calculated in accordance with paragraph (c)(6) of this section;

● (v) The consumer 's monthly payment for mortgage-related obligations;

● (vi) The consumer 's current debt obligations, alimony, and child support;

● (vii) The consumer 's monthly debt -to-income ratio or residual income in accordance with paragraph (c)(7) of this section; and

● (viii) The consumer 's credit history.

○ TRID (1026.36, 37)

○ Loan Estimate ("LE")

● Initial LE was provided within three (3) business days of application as provided by the broker or creditor and loan does not consummate within seven (7) business days of receipt

● Provided within three (3) business days of a valid Change of Circumstance

● Complete in all material respects

● Contains NMLS ID

● Confirm the "In 5 Years" calculation is not over disclosed

○ Final Closing Disclosure ("CD")

● Confirm creditor provided CD no later than three (3) business days of consummation and confirm all relevant fields are complete

● Ensure technical requirements are met – Rounding, Alphabetization, Number of Fees per category and title fees properly labeled

● Recalculation of the Finance Charge, Amount Financed, Total of Payments ("TOP"), and Total Interest Payments ("TIP")

● Projected Payments - Re-calculation of Principal and Interest payment(s), verified escrow and insurance payments, interest only periods and final balloon payments are present and displayed in the correct number of columns

● Adjustable Interest Rate and Adjustable Payment Tables are present, complete and accurate, if applicable

● No fee charged for preparation of LE or CD

● Fee descriptions conform with clear and conspicuous standard

● Loan terms match that of the subject loan – balance, rate, term, prepayment penalty

● Loan Disclosures section is complete – Late Payment matches the note and the escrow section is consistent within the disclosure

○ Fee and Tolerance Testing - Zero and ten percent (10.0%) tolerance testing, including the presence, timing and a validation of a change of circumstance and corresponding fee changes

○ Evidence Service Provider List and Your Home Loan Toolkit, if applicable, were provided or present in the loan file

○ LE and CD form(s) provided to the borrower are consistent across the loan process

○ NMLS ID is present on the loan application, note, security instrument, LE and CD, as applicable

○ Items not tested, include but are not limited to:

● Categorization of fees in the appropriate section

Inglet Blair, LLC Deal Summary

JPMMT 2026-NQM1

pg. 5

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

● Accuracy of information for fields not expressly stated above

● Presence and accuracy of the Seller's Transaction columns on the Seller's columns

○ State High-cost and Predatory lending regulations

○ RESPA disclosures

● Confirm GFE and HUD-1

● Special Information Booklet

● Notice of Servicing Transfer

● Affiliated Business Arrangement Disclosure

● Homeownership Counseling Disclosures

○ Equal Credit Opportunity Act

● Presence, acknowledgement and timing of the Right to Receive Copy of Appraisal Disclosure

Structured Finance Association ("SFA") organized and led an initiative to establish a framework for Third-Party Reviewer's ("TPR") to evaluate and grade loans subject to the Know Before You Owe Act, also commonly referred to as TILA-RESPA Integrated Disclosure ("TRID"). While all grades and conclusions are established in good faith, the grading scheme materiality and impact for certain exceptions may change from time to time, and thus, all reports contain Interpretation Risk. Under no circumstance should the Client, any potential investors or other individual party solely rely on the interpretations made by IB, SFA, or its outside counsel.

Please be advised that IB is not a law firm, does not employ personnel who are licensed to practice law and the exceptions, observations and conclusions provided by IB are not legal opinions. IB relies upon the advice of outside counsel, informal advice of regulators and industry practice to determine materiality.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**TRID Tested** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;No | &nbsp;&nbsp;11 | &nbsp;&nbsp;91.67% |
| &nbsp;&nbsp;Yes | &nbsp;&nbsp;1 | &nbsp;&nbsp;8.33% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**12** | &nbsp;&nbsp;**100%** |

---

**8.** **Any Other Type of Review** 

There was no other review performed.

Inglet Blair, LLC Deal Summary

JPMMT 2026-NQM1

pg. 6

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

**5. Summary of Finding and Conclusions of Review**

The following tables represent the final NRSRO overall and component grades. The Overall grade is comprised of the lowest of the component grades.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Final Grade** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;4 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;8 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**12** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**NRSRO Final Credit Grade** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;5 | &nbsp;&nbsp;41.67% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;7 | &nbsp;&nbsp;58.33% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**12** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**NRSRO Final Compliance Grade** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;10 | &nbsp;&nbsp;83.33% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;16.67% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**12** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**NRSRO Final Property Grade** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**12** | &nbsp;&nbsp;**100%** |

---

The following tables represent certain key attributes of the Loans and their frequency amongst the loan population.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;Fixed Rate | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**12** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;1st | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**12** | &nbsp;&nbsp;**100%** |

---

Inglet Blair, LLC Deal Summary

JPMMT 2026-NQM1

pg. 7

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp; Cash Out: Other/Multipurpose/Unknown purpose  | &nbsp;&nbsp;3 | &nbsp;&nbsp;25.00% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;7 | &nbsp;&nbsp;58.33% |
| &nbsp;&nbsp; Rate/Term Refinance -- Borrower initiated  | &nbsp;&nbsp;2 | &nbsp;&nbsp;16.67% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**12** | &nbsp;&nbsp;**100%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;Single Family Detached (non-PUD) | &nbsp;&nbsp;9 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;2 | &nbsp;&nbsp;16.67% |
| &nbsp;&nbsp;5-10 Unit Multi-Family | &nbsp;&nbsp;1 | &nbsp;&nbsp;8.33% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**12** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**LTV** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;**00.01- 10.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**10.01- 20.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**20.01- 30.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**30.01- 40.00** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;8.33% |
| &nbsp;&nbsp;**40.01- 50.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**50.01- 60.00** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;8.33% |
| &nbsp;&nbsp;**60.01- 70.00** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;**70.01- 80.00** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;**80.01- 90.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**90.01- 100.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**12** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**CLTV** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;**00.01- 10.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**10.01- 20.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**20.01- 30.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**30.01- 40.00** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;8.33% |
| &nbsp;&nbsp;**40.01- 50.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**50.01- 60.00** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;8.33% |
| &nbsp;&nbsp;**60.01- 70.00** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;**70.01- 80.00** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;**80.01- 90.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**90.01- 100.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**12** | &nbsp;&nbsp;**100%** |

---

Inglet Blair, LLC Deal Summary

JPMMT 2026-NQM1

pg. 8

## Exhibit 99.27

[j.p. morgan acceptance corporation ii abs-15G](jpmmt-abs15g.htm)

**Exhibit 99.27**

---

| | | | |
|:---|:---|:---|:---|
| Seller Loan ID | JPM Loan ID | Data Field | Discrepancy Comments |
| (redacted) | 304678982 | Investor DTI (DSCR Ratio) (redacted) | Review value agrees with the approved DTI. Source of tape is unknown. |
| (redacted) | 304725144 | Sales Price (redacted) | Tape Value is the Appraisal Value. Review Value is the Sales Price. |
| (redacted) | 304725144 | Original Loan to Value (redacted) | Review Value calculated from the lesser sales price, (redacted). Tape is calculated from the greater appraisal value (redacted). |
| (redacted) | 304725144 | Original Combined Loan to Value (redacted) | Review Value calculated from the lesser sales price, (redacted). Tape is calculated from the greater appraisal value (redacted). |
| (redacted) | 304779582 | Original Loan to Value (redacted) | Review Value matches to the loan approval. Source of Tape Value is unknown. |
| (redacted) | 304779582 | Original Combined Loan to Value (redacted) | Review Value matches to the loan approval. Source of Tape Value is unknown. |
| (redacted) | 304779582 | Total Debt to Income Ratio (redacted) | Approved DTI (redacted), variance < (redacted) is non-material. Source of Tape Value is unknown. |
| (redacted) | 304779582 | Appraised Value (redacted) | Review Value is the appraisal / cda value. Tape Value appears to be the estimated value at application. |
| (redacted) | 304833239 | Representative Credit Score (redacted) | The qualifying score is (redacted) lower of the two middle scores. |
| (redacted) | 304833239 | Investor DTI (DSCR Ratio) (redacted) | Variance is non-material. Min Required (redacted). |
| (redacted) | 304850824 | Appraised Value (redacted) | Review Value is the opinion of market value as per the appraisal. Tape Value is the value based on the sales comparison approach. |
| (redacted) | 304850824 | Investor DTI (DSCR Ratio) (redacted) | Variance is non-material (Min Required (redacted)). |
| (redacted) | 304816951 | Original Loan to Value (redacted) | Variance is non-material. |
| (redacted) | 304816951 | Original Combined Loan to Value (redacted) | Variance is non-material. |
| (redacted) | 304816951 | Appraised Value (redacted) | Review Value captured per the appraisal. Source of Tape Value is unknown. |
| (redacted) | 304847639 | Investor DTI (DSCR Ratio) (redacted) | Approved DSCR (redacted). Source of Tape Value is unknown. |

---

## Exhibit 99.28

[j.p. morgan acceptance corporation ii abs-15G](jpmmt-abs15g.htm)

**Exhibit 99.28**

---

| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Seller Name | JPM Loan ID | Exception ID | Exception ID Date | Condition Category | Condition Standardized Description | Condition ID | Initial Exception Grade | Final Exception Grade | Status | Condition Custom Description | Cleared Date | Compensating Factors | Lender Response | Comments | Loan Status |
| (redacted) | 304678982 (redacted) | 1108702 | 05/07/2025 | Compliance | Unable to determine Consumer or Business Purpose | TIL 0021 | 3 | 1 | Closed | Missing business-purpose attestation. <br>--Per guidelines, A business-purpose attestation is required for all cash-out transactions if they are to be considered out of scope for TILA. | 05/13/2025 | Verified credit history - Middle Credit Scores (redacted) > (redacted) Min Required.; Verified housing payment history - Credit report reflects one open mortgage and one open HELOC satisfactorily rated (redacted) months.; |  | 05/13/2025 Use of cash out LOE provided showing purpose as funds to pay off debt accrued from renovation of property. Finding cleared. - 05/14/2025 Use of cash out LOE provided showing purpose as funds to pay off debt accrued from renovation of property. Finding cleared. | Funded C A |
| (redacted) | 304678982 (redacted) | 1108707 | 05/07/2025 | Credit | Credit Documentation is Insufficient | CRED 0093 | 3 | 2 | Acknowledged | Missing verification of mortgage:<br> (redacted)<br>--Per guidelines, (redacted) on all owned real estate |  | Verified credit history - Middle Credit Scores (redacted) > (redacted) Min Required.; Verified housing payment history - Credit report reflects one open mortgage and one open HELOC satisfactorily rated (redacted) months.; |  | 05/08/2025 EV2/B Investor Acknowledged Exception, DSCR loan and the other properties do not contribute to the calculation | Funded C B |
| (redacted) | 304678982 (redacted) | 1108708 | 05/07/2025 | Credit | Missing Schedule of Real Estate Owned | APP 0005 | 3 | 1 | Closed | The following REO are documented in file, but not listed on the REO schedule:<br>(redacted))<br>--Per guidelines, All properties owned must be listed on Schedule of RE. | 05/14/2025 | Verified credit history - Middle Credit Scores (redacted) > (redacted) Min Required.; Verified housing payment history - Credit report reflects one open mortgage and one open HELOC satisfactorily rated (redacted) months.; |  | 05/14/2025 Recd LOE stating REO (redacted) is the primary building and (redacted) are attached apartments that were given own addresses since the entry doors face off (redacted). (redacted) is listed on the REO schedule. - 05/14/2025 Recd LOE stating REO (redacted)t is the primary building and (redacted) are attached apartments that were given own addresses since the entry doors face off (redacted). (redacted) is listed on the REO schedule. | Funded C A |
| (redacted) | 304678982 (redacted) | 1108788 | 05/07/2025 | Property | Appraisal is Incomplete | APPR 0002 | 3 | 1 | Closed | Missing form (redacted) Operating Income Statement. | 05/08/2025 | Verified credit history - Middle Credit Scores (redacted) > (redacted) Min Required.; Verified housing payment history - Credit report reflects one open mortgage and one open HELOC satisfactorily rated (redacted) months.; |  | 05/08/2025 Recd appraisal report, market rent was obtained from appraisal form (redacted). Operating Income Statement (redacted), not provided or required. - 05/08/2025 Recd appraisal report, market rent was obtained from appraisal form (redacted). Operating Income Statement (redacted), not provided or required. | Funded C A |
| (redacted) | 304725144 (redacted) | 1115395 | 06/12/2025 | Credit | Missing Required Fraud Tool | CRED 0089 | 3 | 2 | Acknowledged | Missing investor acknowledgement for missing background check for borrowing entity. Search provided rendered no results. Entity was incorporated in (redacted). |  | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; |  | 06/20/2025 EV2/B - Investor Acknowledged Exception, (redacted) site shows the business exists and there is no reason to believe it is not in good standing.<br> 06/18/2025 Escalated to investor for review.<br> 06/16/2025 Attached search, (redacted), does not match borrowing entity, (redacted).<br> --Finding remains. Missing investor acknowledgement for missing background check for borrowing entity, (redacted). Search provided rendered no results. Entity was incorporated in (redacted). | Funded C B |
| (redacted) | 304725144 (redacted) | 1115407 | 06/12/2025 | Credit | Final 1003 Application is Incomplete | APP 0002 | 3 | 1 | Closed | Missing Loan Application, which includes property / rental / financial information, declarations, and the loan originator information. The (redacted) application consists of (redacted) parts: Business Purpose Borrower Application, Loan Application, and Guarantor Application. Loan file includes Business Purpose Borrower Application and Guarantor Application. | 06/16/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; |  | 06/16/2025 Recd Loan Application. - 06/16/2025 Recd Loan Application. | Funded C A |
| (redacted) | 304725144 (redacted) | 1115460 | 06/12/2025 | Credit | Missing Evidence of Verified Property Tax and / or Homeowners Insurance Information | CRED 0103 | 3 | 1 | Closed | Missing corrected insurance reflecting the subject loan number. Loan number is inaccurate, actual loan number, (redacted). | 06/16/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; |  | 06/16/2025 Recd revised EOI reflecting the subject loan number (redacted). - 06/16/2025 Recd revised EOI reflecting the subject loan number (redacted). | Funded C A |
| (redacted) | 304725145 (redacted) | 1115435 | 06/12/2025 | Credit | Missing Required Fraud Tool | CRED 0089 | 3 | 2 | Acknowledged | Missing investor acknowledgement for missing background check for borrowing entity. Search provided rendered no results. Entity was incorporated in (redacted). |  | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; |  | 06/20/2025 EV2/B - Investor Acknowledged Exception, (redacted) site shows the business exists and there is no reason to believe it is not in good standing.<br> 06/18/2025 Escalated to investor for review. | Funded C B |
| (redacted) | 304725145 (redacted) | 1115436 | 06/12/2025 | Compliance | File Documentation is Incomplete (Compliance) | COMP 0047 | 3 | 1 | Closed | Entity Certificate is not signed by the borrowing guarantor. The Entity Certificate is only signed by limited owner. | 06/20/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; |  | 06/20/2025 Recd Entity Certificate electronically signed by the borrowing guarantor. - 06/20/2025 Recd Entity Certificate electronically signed by the borrowing guarantor. | Funded C A |
| (redacted) | 304725145 (redacted) | 1115439 | 06/12/2025 | Credit | APN Number and/or Legal Descriptions do not match security instrument | COLL 0002 | 3 | 1 | Closed | APN on the Mortgage is inaccurate. Actual APN per appraisal / title commitment / tax cert, (redacted). | 06/17/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; |  | 06/17/2025 Recd scrivener's affidavit. - 06/17/2025 Recd scrivener's affidavit. | Funded C A |
| (redacted) | 304725145 (redacted) | 1115448 | 06/12/2025 | Credit | Missing Evidence of Verified Property Tax and / or Homeowners Insurance Information | CRED 0103 | 3 | 1 | Closed | Missing corrected insurance reflecting the subject loan number. EOI loan number is inaccurate, actual loan number, (redacted). | 06/17/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; |  | 06/17/2025 Recd revised EOI with correct loan number (redacted). - 06/17/2025 Recd revised EOI with correct loan number (redacted). | Funded C A |
| (redacted) | 304729044 (redacted) | 1116901 | 06/23/2025 | Credit | Missing Evidence of Verified Property Tax and / or Homeowners Insurance Information | CRED 0103 | 3 | 1 | Closed | Missing revised evidence of insurance reflecting the correct loan number, (redacted). EOI in file reflects loan number (redacted). | 06/25/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; |  | 06/25/2025 Recd revised EOI reflecting the correct loan number. - 06/25/2025 Recd revised EOI reflecting the correct loan number. | Funded C A |
| (redacted) | 304729044 (redacted) | 1116902 | 06/23/2025 | Credit | Missing Required Fraud Tool | CRED 0089 | 2 | 2 | Acknowledged | Missing investor acknowledgement for missing background check for borrowing entity, (redacted). Search provided rendered no results. Entity was incorporated in (redacted). |  | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; |  | 06/24/2025 EV2/B - Investor Acknowledged Exception, (redacted) site shows the business exists and there is no reason to believe it is not in good standing. | Funded C B |
| (redacted) | 304734111 (redacted) | 1118620 | 07/03/2025 | Compliance | Flood Notice Was Not Provided to Applicant(s) | FLOOD 0001 | 2 | 2 | Acknowledged | Missing evidence the Notice of Special Flood Hazard disclosure was provided to the borrower. Flood zone is AE.. |  | Verified reserves - (redacted) months reserves or (redacted) required, (redacted) months reserves or (redacted) verified. <br>; |  | Client: 07/03/2025 EV2/B - Investor Acknowledged Exception. | Funded B |
| (redacted) | 304734846 (redacted) | 1128183 | 08/12/2025 | Compliance | Missing Notary on Mortgage/DOT | DEED 0022 | 3 | 1 | Closed | The borrower and non-borrowing spouses signatures are not notarized on the Deed of Trust. | 08/18/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; Verified housing payment history - Credit report reflects (redacted) open mortgage satisfactorily rated (redacted) months.; Verified reserves - (redacted) Months Verified PITI Reserves > (redacted) Months Required.; |  | 08/18/2025 Recd notarized copy of the Deed of Trust. - 08/18/2025 Recd notarized copy of the Deed of Trust. | Funded C A |
| (redacted) | 304734846 (redacted) | 1128212 | 08/12/2025 | Credit | Seller Contributions exceed 2% | CRED 0081 | 3 | 2 | Acknowledged | Seller Concessions of (redacted) > (redacted) (redacted) Max Allowed. |  | Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; Verified housing payment history - Credit report reflects (redacted) open mortgage satisfactorily rated (redacted) months.; Verified reserves - (redacted) Months Verified PITI Reserves > (redacted) Months Required.; |  | 08/13/2025 EV2/B - Investor Acknowledged Exception based on the borrowers (redacted) credit/mortgage history and (redacted) in reserves. | Funded C B |
| (redacted) | 304734846 (redacted) | 1128941 | 08/15/2025 | Compliance | Scrivener's Error | NOTE 0060 | 3 | 2 | Acknowledged | The fixed rate loan was executed on an IO note. |  | Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; Verified housing payment history - Credit report reflects (redacted) open mortgage satisfactorily rated (redacted) months.; Verified reserves - (redacted) Months Verified PITI Reserves > (redacted) Months Required.; |  | 08/15/2025 EV2/B - Non-Material. | Funded C B |
| (redacted) | 304779582 (redacted) | 1137260 | 09/09/2025 | Credit | Guideline Exception(s) | GIDE 0001 | 3 | 2 | Acknowledged | Missing investor acknowledgement for lender approved exception for vesting to be held in the name of a trust, (redacted). The trustees are the borrower and non-borrowing spouse. The Note was signed as trustees only. -- Per guidelines, Inter Vivos revocable Trusts are not permitted. |  | Low LTV/CLTV/HCLTV - (redacted) LTV < (redacted) Max Allowed.; Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; |  | 09/15/2025 EV2/B - Investor Acknowledged Exception. | Funded C B |
| (redacted) | 304779582 (redacted) | 1137261 | 09/09/2025 | Credit | Credit Documentation is Insufficient | CRED 0093 | 3 | 1 | Closed | Missing credit supplement confirming home equity loan with (redacted) has been closed. Borrower does not own any other REO. | 09/10/2025 | Low LTV/CLTV/HCLTV - (redacted) LTV < (redacted) Max Allowed.; Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; |  | 09/10/2025 Agree, hard pull on (redacted) lists HELOC under closed tradelines. It was the soft pull on (redacted) that doesn't show the HELOC as being closed, however no activity > (redacted) months and it is not reporting on title. - 09/10/2025 Agree, hard pull on (redacted) lists HELOC under closed tradelines. It was the soft pull on (redacted) that doesn't show the HELOC as being closed, however no activity > (redacted) months and it is not reporting on title. | Funded C A |
| (redacted) | 304779582 (redacted) | 1137263 | 09/09/2025 | Credit | Income Documentation is Insufficient | CRED 0082 | 3 | 1 | Closed | Investor acknowledgment required, borrowers ownership was indicated to be (redacted) until (redacted). (redacted) does not indicate that they have prepared the business tax returns for the prior two years. Per borrower letter of explanation, the non-borrowing spouse gifted the majority shares of (redacted) to borrower (redacted). TPO SOS search reflects borrower registered as agent (redacted) < (redacted) years. The non-borrowing spouse is still reporting as president / secretary. No operating agreement was provided. Investor to confirm (redacted) letter and ownership < (redacted) in the past (redacted) months is acceptable. -- Per guidelines, borrowers with less than (redacted) ownership that are not a managing member are ineligible for business bank statement qualification. | 09/15/2025 | Low LTV/CLTV/HCLTV - (redacted) LTV < (redacted) Max Allowed.; Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; |  | 09/15/2025 Investor accepts (redacted) letter and ownership < (redacted) in the past (redacted) months. - 09/15/2025 Investor accepts (redacted) letter and ownership (redacted) in the past (redacted) months. | Funded C A |
| (redacted) | 304833239 (redacted) | 1141696 | 09/30/2025 | Credit | Missing borrower immigration or residency status documentation | CRED 0032 | 3 | 1 | Closed | The file is missing evidence of an unexpired photo ID for both borrowers. The file included the (redacted) Patriot Act Information Form for both borrowers; however, the forms are missing the identification information. | 10/06/2025 | Verified reserves - (redacted) reserves exceed the minimum required of (redacted) exceeds the minimum by (redacted) months over the required minimum. <br>; Verified credit history - (redacted) Representative credit score exceeds the minimum required credit score of (redacted) by (redacted) Points. <br>; |  | 10/06/2025 Received completed Patriot Act forms with copies of the borrowers unexpired IDs. - 10/06/2025 Received completed Patriot Act forms with copies of the borrowers unexpired IDs. | Funded C A |
| (redacted) | 304833239 (redacted) | 1142032 | 10/02/2025 | Credit | Unacceptable Mortgage History | CRED 0001 | 3 | 1 | Closed | Missing verification of (redacted) on non-subject REO:<br>(redacted)<br>--Per guidelines, (redacted) on all real estate owned. | 11/04/2025 | Verified reserves - (redacted) reserves exceed the minimum required of (redacted) exceeds the minimum by (redacted) months over the required minimum. <br>; Verified credit history - (redacted) Representative credit score exceeds the minimum required credit score of (redacted) by (redacted) Points. <br>; |  | 11/04/2025 Received the VOM for non-subject REO. Note: Title commitment confirms both creditors are associated with the same private loan. - 11/04/2025 Received the VOM for non-subject REO. Note: Title commitment confirms both creditors are associated with the same private loan.<br> 10/06/2025 Received VOM, (redacted), 5/6/2025 - 9/11/2025. -- Finding remains. Still missing VOMs, (redacted), for (redacted) that were recently refinanced.<br> 10/02/2025 Recd pay history for the recently originated mortgage (redacted) for (redacted). -- Finding remains. Still missing VOM for refinanced mortgages (redacted). Also missing VOM for (redacted) on (redacted). | Funded C A |
| (redacted) | 304850824 (redacted) | 1143831 | 10/09/2025 | Compliance | Missing Final HUD-1 | HUD 0001 | 4 | 1 | Closed | Missing a copy of the final settlement statement. The settlement statement in file is marked estimated. | 10/22/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; Verified housing payment history - Credit report reflects (redacted) open mortgages satisfactorily rated (redacted) months.; |  | 10/22/2025 Final Settlement Statement provided. Finding resolved. | Funded D A |
| (redacted) | 304850824 (redacted) | 1143881 | 10/09/2025 | Credit | Fraud report alerts have not been addressed | FRAUD 0001 | 3 | 1 | Closed | High risk fraud findings for potential foreclosure activity have not been satisfactorily addressed. Review is unable to confirm (redacted) month seasoning requirement for DSCR loan program was met.<br>(redacted) | 10/24/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; Verified housing payment history - Credit report reflects (redacted) open mortgages satisfactorily rated (redacted) months.; |  | 10/24/2025 Attached documentation confirms foreclosure activity is not related to the borrowers property. Tax ID numbers are different. - 10/24/2025 Attached documentation confirms foreclosure activity is not related to the borrowers property. Tax ID numbers are different.<br> 10/22/2025 Fraud report reflects a foreclosure date of (redacted). Missing property report, (redacted), with complete transaction detail. | Funded C A |
| (redacted) | 304850824 (redacted) | 1143888 | 10/09/2025 | Credit | Underwriting Loan Approval is Deficient | APRV 0010 | 3 | 1 | Closed | Missing borrower executed (redacted) Family Rider / Assignment of Rents and guaranty as per lender's closing conditions. | 10/22/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; Verified housing payment history - Credit report reflects (redacted) open mortgages satisfactorily rated (redacted) months.; |  | 10/22/2025 Executed DOT, Assignment of Leases and Rents provided. Finding cleared. - 10/22/2025 Executed DOT, Assignment of Leases and Rents provided. Finding cleared. | Funded C A |
| (redacted) | 304850824 (redacted) | 1143890 | 10/09/2025 | Credit | Hazard Insurance Carrier Rating is Not Acceptable | HAZ 0007 | 3 | 1 | Closed | Missing hazard insurance carrier rating. | 10/22/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; Verified housing payment history - Credit report reflects (redacted) open mortgages satisfactorily rated (redacted) months.; |  | 10/22/2025 Received EOI. - TPR validated (redacted) rating for insurer, A-. <br> - 10/22/2025 Received EOI. - TPR validated (redacted) rating for insurer, A-. | Funded C A |
| (redacted) | 304816951 (redacted) |  |  | No Finding | No Finding |  |  | 1 | No Finding |  |  |  |  |  | Funded A |
| (redacted) | 304847639 (redacted) | 1146601 | 10/23/2025 | Credit | Missing Sufficient Evidence of Insurance | INS 0001 | 3 | 1 | Closed | Missing hazard insurance declaration. Only the homeowners application was provided. | 11/14/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; Low LTV/CLTV/HCLTV - (redacted) LTV < (redacted) Max Allowed.; |  | 11/14/2025 Finding is cleared with the attached hazard insurance declarations. - 11/14/2025 Finding is cleared with the attached hazard insurance declarations. | Funded C A |
| (redacted) | 304861632 (redacted) | 1149011 | 11/07/2025 | Credit | Missing Source of Funds | CRED 0108 | 3 | 2 | Acknowledged | Updated Exception - Recd updated guidelines. Per guidelines, Large deposits for Personal and Business Accounts used in qualifying assets<br>Any single deposit that is greater than (redacted), and<br>Exceeds (redacted) of total deposits for the month, and<br>Applies to all transactions including (redacted) with personal guarantor, and<br>Source only if needed for the transaction<br>Funds from business account, (redacted), came from a deposit posted (redacted) in the amount of (redacted), which is less than (redacted) of the total deposits for the month. <br>Loan file is missing operating agreement to confirm (redacted) ownership of (redacted), and to fully source large deposit of (redacted) deposit posted to (redacted) from self-employment business. <br>Updated Exception - (redacted) was transferred to (redacted) on (redacted) from (redacted). Funds from (redacted) came from a deposit posted (redacted) in the amount of (redacted). Missing source of funds. <br>Original Exception - (redacted) was transferred to (redacted) from (redacted). Funds from (redacted) came from a deposit posted (redacted) in the amount of (redacted). Missing source of funds. -- Per guidelines, All eligible assets as defined in the (redacted) selling guide. Per (redacted), if funds from a large deposit are needed to complete the purchase transaction (that is, are used for the down payment, closing costs, or financial reserves), the lender must document that those funds are from an acceptable source. |  | Low LTV/CLTV/HCLTV - (redacted) LTV < (redacted) Max Allowed.; |  | 11/19/2025 EV2/B - Investor Acknowledged Exception | Funded C B |

---

## Exhibit 99.29

[j.p. morgan acceptance corporation ii abs-15G](jpmmt-abs15g.htm)

**Exhibit 99.29**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| JPM Loan ID | Initial Overall Event Level | Final Overall Event Level | Originator QM/ATR Status | TPR QM/ATR Status | Seller Name |
| 304678982 (redacted) | 3 | 2 C B A | 1 | Not Covered / Exempt | (redacted) |
| 304725144 (redacted) | 3 | 2 C A B | 1 | Not Covered / Exempt | (redacted) |
| 304725145 (redacted) | 3 | 2 C A B | 1 | Not Covered / Exempt | (redacted) |
| 304729044 (redacted) | 3 | 2 C A B | 3 | Not Covered / Exempt | (redacted) |
| 304734111 (redacted) | 2 | 2 B A | 3 | Not Covered / Exempt | (redacted) |
| 304734846 (redacted) | 3 | 2 C A B | 1 | Not Covered / Exempt | (redacted) |
| 304779582 (redacted) | 3 | 2 C A B | 3 | Non-QM / Compliant | (redacted) |
| 304833239 (redacted) | 3 | 1 C A | 1 | Not Covered / Exempt | (redacted) |
| 304850824 (redacted) | 4 | 1 D C A | 3 | Not Covered / Exempt | (redacted) |
| 304816951 (redacted) | 1 | 1 A | 3 | Not Covered / Exempt | (redacted) |
| 304847639 (redacted) | 3 | 1 C A | 1 | Not Covered / Exempt | (redacted) |
| 304861632 (redacted) | 3 | 2 C A B | 1 | Not Covered / Exempt | (redacted) |

---

## Exhibit 99.30

[j.p. morgan acceptance corporation ii abs-15G](jpmmt-abs15g.htm)

**Exhibit 99.30**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | | | |
| **Seller Loan ID** | **Purchaser Loan ID** | **Sales Price** | **Appraisal Waiver Form** | **Property Inspection Waiver** | **Appraisal Value(s)** | **Appraisal Value(s)** | **Appraisal Value(s)** | **BPO Values** | **BPO Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **Valuation Comments** | **Collateral Underwriter Risk Score** | **Loan Collateral Advisor Risk Score** |
| **Seller Loan ID** | **Purchaser Loan ID** | **Sales Price** | **Appraisal Waiver Form** | **Property Inspection Waiver** | **Second Appraisal Value** | **Second Appraisal Type** | **Second Appraisal Date** | **Variance Amount** | **Variance(%)** | **Value** | **Variance Amount** | **Variance(%)** | **Appraisal Date** | **Confidence Score of AVM** | **AVM Product Name** | **Variance Amount** | **Variance(%)** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Appraisal Date** | **Confidence Score of AVM** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Valuation Comments** | **Collateral Underwriter Risk Score** | **Loan Collateral Advisor Risk Score** |
| (redacted) | 304678982 (redacted) | 0.00 | No | No (redacted) |  |  |  |  |  |  |  |  |  |  | (redacted) | 0.00 | 0.00% (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| (redacted) | 304725144 (redacted) | (redacted) | No | No (redacted) |  |  |  |  |  |  |  |  |  |  | (redacted) | 0.00 | 0.00% (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |  |
| (redacted) | 304725145 (redacted) | (redacted) | No | No (redacted) |  |  |  |  |  |  |  |  |  |  | (redacted) | 0.00 | 0.00% (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| (redacted) | 304729044 (redacted) | (redacted) | No | No (redacted) |  |  |  |  |  |  |  |  |  |  | (redacted) | 0.00 | 0.00% (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |  |
| (redacted) | 304734111 (redacted) | (redacted) | No | No (redacted) |  |  |  |  |  |  |  |  |  |  | (redacted) | 0.00 | 0.00% (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |  |
| (redacted) | 304734846 (redacted) | (redacted) | No | No (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |
| (redacted) | 304779582 (redacted) | 0.00 | No | No (redacted) |  |  |  |  |  |  |  |  |  |  | (redacted) | 0.00 | 0.00% (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| (redacted) | 304833239 (redacted) | 0.00 | No | No (redacted) |  |  |  |  |  |  |  |  |  |  | (redacted) | 0.00 | 0.00% (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| (redacted) | 304850824 (redacted) | 0.00 | No | No (redacted) |  |  | (redacted) | 0.00 | 0.00% (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Cost Approach Not Developed. Loan was approved using the lesser sales comparison approach value. ; Subject is a (redacted) unit apartment building. |  |  |
| (redacted) | 304816951 (redacted) | 0.00 | No | No (redacted) |  |  |  |  |  |  |  |  |  |  | (redacted) | 0.00 | 0.00% (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| (redacted) | 304847639 (redacted) | (redacted) | No | No (redacted) |  |  |  |  |  |  |  |  |  |  | (redacted) | (redacted) | -1.61% (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| (redacted) | 304861632 (redacted) | (redacted) | No | No (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 1 |

---

## Exhibit 99.31

[j.p. morgan acceptance corporation ii abs-15G](jpmmt-abs15g.htm)

**Exhibit 99.31**

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| JPM Loan ID | Loan Status | Final Overall Event Level | Final Credit Event Level | Final Compliance Event Level | Final Property Event Level | Credit Exceptions | Compliance Exceptions | Property Exceptions | Compensating Factors | Immaterial/Waived | Lender Commentary | Cleared Exceptions | Exceptions |
| 304678982 (redacted) | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified credit history - Middle Credit Scores (redacted) > (redacted) Min Required.; Verified housing payment history - Credit report reflects one open mortgage and one open HELOC satisfactorily rated (redacted) months.; | CRED 0093 Credit Documentation is Insufficient - Missing verification of mortgage:<br>(redacted)<br>--Per guidelines, 0x30x12 on all owned real estate - 05/08/2025 EV2/B Investor Acknowledged Exception, DSCR loan and the other properties do not contribute to the calculation |  | APPR 0002 Appraisal is Incomplete - Missing form (redacted) Operating Income Statement. - 05/08/2025 Recd appraisal report, market rent was obtained from appraisal form (redacted). Operating Income Statement (redacted), not provided or required.<br>TIL 0021 Unable to determine Consumer or Business Purpose - Missing business-purpose attestation. <br>--Per guidelines, A business-purpose attestation is required for all cash-out transactions if they are to be considered out of scope for TILA. - 05/13/2025 Use of cash out LOE provided showing purpose as funds to pay off debt accrued from renovation of property. Finding cleared.<br>APP 0005 Missing Schedule of Real Estate Owned - The following REO are documented in file, but not listed on the REO schedule:<br>(redacted))<br>--Per guidelines, All properties owned must be listed on Schedule of RE. - 05/14/2025 Recd LOE stating REO (redacted) is the primary building and (redacted) are attached apartments that were given own addresses since the entry doors face off (redacted). (redacted) is listed on the REO schedule.<br>|  |
| 304725144 (redacted) | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; | CRED 0089 Missing Required Fraud Tool - Missing investor acknowledgement for missing background check for borrowing entity. Search provided rendered no results. Entity was incorporated in (redacted). - 06/20/2025 Please see response from loan (redacted) with the same condition that was satisfied. "EV2/B - Investor Acknowledged Exception, (redacted) site shows the business exists and there is no reason to believe it is not in good standing." |  | CRED 0103 Missing Evidence of Verified Property Tax and / or Homeowners Insurance Information - Missing corrected insurance reflecting the subject loan number. Loan number is inaccurate, actual loan number, (redacted). - 06/16/2025 Recd revised EOI reflecting the subject loan number (redacted).<br>APP 0002 Final 1003 Application is Incomplete - Missing Loan Application, which includes property / rental / financial information, declarations, and the loan originator information. The (redacted) application consists of (redacted) parts: Business Purpose Borrower Application, Loan Application, and Guarantor Application. Loan file includes Business Purpose Borrower Application and Guarantor Application. - 06/16/2025 Recd Loan Application.<br>|  |
| 304725145 (redacted) | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; | CRED 0089 Missing Required Fraud Tool - Missing investor acknowledgement for missing background check for borrowing entity. Search provided rendered no results. Entity was incorporated in (redacted). - 06/20/2025 EV2/B - Investor Acknowledged Exception, (redacted) site shows the business exists and there is no reason to believe it is not in good standing. |  | COLL 0002 APN Number and/or Legal Descriptions do not match security instrument - APN on the Mortgage is inaccurate. Actual APN per appraisal / title commitment / tax cert, (redacted). - 06/17/2025 Recd scrivener's affidavit.<br>CRED 0103 Missing Evidence of Verified Property Tax and / or Homeowners Insurance Information - Missing corrected insurance reflecting the subject loan number. EOI loan number is inaccurate, actual loan number, (redacted). - 06/17/2025 Recd revised EOI with correct loan number (redacted).<br>COMP 0047 File Documentation is Incomplete (Compliance) - Entity Certificate is not signed by the borrowing guarantor. The Entity Certificate is only signed by limited owner. - 06/20/2025 Recd Entity Certificate electronically signed by the borrowing guarantor.<br>|  |
| 304729044 (redacted) | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; | CRED 0089 Missing Required Fraud Tool - Missing investor acknowledgement for missing background check for borrowing entity, (redacted). Search provided rendered no results. Entity was incorporated in (redacted). - 06/23/2025 EV2/B - Investor Acknowledged Exception, (redacted) site shows the business exists and there is no reason to believe it is not in good standing. |  | CRED 0103 Missing Evidence of Verified Property Tax and / or Homeowners Insurance Information - Missing revised evidence of insurance reflecting the correct loan number, (redacted). EOI in file reflects loan number (redacted). - 06/25/2025 Recd revised EOI reflecting the correct loan number.<br>|  |
| 304734111 (redacted) | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified reserves - (redacted) months reserves or (redacted) required, (redacted) months reserves or (redacted) verified. <br>; | FLOOD 0001 Flood Notice Was Not Provided to Applicant(s) - Missing evidence the Notice of Special Flood Hazard disclosure was provided to the borrower. Flood zone is AE.. - 07/03/2025 EV2/B - Investor Acknowledged Exception. |  |  |  |
| 304734846 (redacted) | Funded | 2 | 2 | 2 | 1 |  |  |  | Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; Verified housing payment history - Credit report reflects (redacted) open mortgage satisfactorily rated (redacted) months.; Verified reserves - (redacted) Months Verified PITI Reserves > (redacted) Months Required.; | CRED 0081 Seller Contributions exceed 2% - Seller Concessions of (redacted) > (redacted) (redacted) Max Allowed. - 08/13/2025 EV2/B - Investor Acknowledged Exception based on the borrowers (redacted) credit/mortgage history and (redacted) in reserves.<br>NOTE 0060 Scrivener's Error - The fixed rate loan was executed on an IO note. - EV2/B - Non-Material |  | DEED 0022 Missing Notary on Mortgage/DOT - The borrower and non-borrowing spouses signatures are not notarized on the Deed of Trust. - 08/18/2025 Recd notarized copy of the Deed of Trust.<br>|  |
| 304779582 (redacted) | Funded | 2 | 2 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - (redacted) LTV < (redacted) Max Allowed.; Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; | GIDE 0001 Guideline Exception(s) - Missing investor acknowledgement for lender approved exception for vesting to be held in the name of a trust, (redacted). The trustees are the borrower and non-borrowing spouse. The Note was signed as trustees only. -- Per guidelines, Inter Vivos revocable Trusts are not permitted. |  | CRED 0093 Credit Documentation is Insufficient - Missing credit supplement confirming home equity loan with (redacted) has been closed. Borrower does not own any other REO. - 09/10/2025 Agree, hard pull on (redacted) lists HELOC under closed tradelines. It was the soft pull on (redacted) that doesn't show the HELOC as being closed, however no activity > (redacted) months and it is not reporting on title.<br>CRED 0082 Income Documentation is Insufficient - Investor acknowledgment required, borrowers ownership was indicated to be (redacted) until (redacted). (redacted) does not indicate that they have prepared the business tax returns for the prior two years. Per borrower letter of explanation, the non-borrowing spouse gifted the majority shares of (redacted) to borrower (redacted). (redacted) search reflects borrower registered as agent (redacted) < (redacted) years. The non-borrowing spouse is still reporting as president / secretary. No operating agreement was provided. Investor to confirm (redacted) letter and ownership < (redacted) in the past (redacted) months is acceptable. -- Per guidelines, borrowers with less than (redacted) ownership that are not a managing member are ineligible for business bank statement qualification. - 09/15/2025 Investor accepts (redacted) letter and ownership < (redacted) in the past (redacted) months.<br>|  |
| 304833239 (redacted) | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - (redacted) reserves exceed the minimum required of (redacted) exceeds the minimum by (redacted) months over the required minimum. <br>; Verified credit history - (redacted) Representative credit score exceeds the minimum required credit score of (redacted) by (redacted) Points. <br>; |  |  | CRED 0001 Unacceptable Mortgage History - Missing verification of (redacted) on non-subject REO:<br>(redacted)<br>--Per guidelines, (redacted) on all real estate owned. - 11/04/2025 Received the VOM for non-subject REO. Note: Title commitment confirms both creditors are associated with the same private loan.<br>CRED 0032 Missing borrower immigration or residency status documentation - The file is missing evidence of an unexpired photo ID for both borrowers. The file included the (redacted) Patriot Act Information Form for both borrowers; however, the forms are missing the identification information. - 10/06/2025 Received completed Patriot Act forms with copies of the borrowers unexpired IDs.<br>|  |
| 304850824 (redacted) | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; Verified housing payment history - Credit report reflects (redacted) open mortgages satisfactorily rated (redacted) months.; |  |  | FRAUD 0001 Fraud report alerts have not been addressed - High risk fraud findings for potential foreclosure activity have not been satisfactorily addressed. Review is unable to confirm (redacted) month seasoning requirement for DSCR loan program was met.<br>(redacted) - 10/24/2025 Attached documentation confirms foreclosure activity is not related to the borrowers property. Tax ID numbers are different.<br>HUD 0001 Missing Final HUD-1 - Missing a copy of the final settlement statement. The settlement statement in file is marked estimated.<br>HAZ 0007 Hazard Insurance Carrier Rating is Not Acceptable - Missing hazard insurance carrier rating. - 10/22/2025 Received EOI. - TPR validated (redacted) rating for insurer, A-. <br>APRV 0010 Underwriting Loan Approval is Deficient - Missing borrower executed (redacted) Family Rider / Assignment of Rents and guaranty as per lender's closing conditions. - 10/22/2025 Executed DOT, Assignment of Leases and Rents provided. Finding cleared.<br>|  |
| 304816951 (redacted) | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - FICO (redacted), minimum required (redacted).; Verified reserves - (redacted) months reserves or (redacted) required, (redacted) months or (redacted) verified.; |  |  |  |  |
| 304847639 (redacted) | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; Low LTV/CLTV/HCLTV - (redacted) LTV < (redacted) Max Allowed.; |  |  | INS 0001 Missing Sufficient Evidence of Insurance - Missing hazard insurance declaration. Only the homeowners application was provided. - 11/14/2025 Finding is cleared with the attached hazard insurance declarations.<br>|  |
| 304861632 (redacted) | Funded | 2 | 2 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - (redacted) LTV < (redacted) Max Allowed.; | CRED 0108 Missing Source of Funds - Updated Exception - Recd updated guidelines. Per guidelines, Large deposits for Personal and Business Accounts used in qualifying assets<br> Any single deposit that is greater than (redacted), and<br> Exceeds (redacted) of total deposits for the month, and<br> Applies to all transactions including (redacted) with personal guarantor, and<br> Source only if needed for the transaction<br>Funds from business account, (redacted), came from a deposit posted (redacted) in the amount of (redacted), which is less than (redacted) of the total deposits for the month. <br>Loan file is missing operating agreement to confirm (redacted) ownership of (redacted), and to fully source large deposit of (redacted) deposit posted to (redacted) from self-employment business. <br>Updated Exception - (redacted) was transferred to (redacted) on (redacted) from (redacted). Funds from (redacted) came from a deposit posted (redacted) in the amount of (redacted). Missing source of funds. <br>Original Exception - (redacted) was transferred to (redacted) from (redacted). Funds from (redacted) came from a deposit posted (redacted) in the amount of (redacted). Missing source of funds. -- Per guidelines, All eligible assets as defined in the (redacted) selling guide. Per (redacted), if funds from a large deposit are needed to complete the purchase transaction (that is, are used for the down payment, closing costs, or financial reserves), the lender must document that those funds are from an acceptable source. - 11/19/2025 EV2/B - Investor Acknowledged Exception |  |  |  |

---

## Exhibit 99.32

[j.p. morgan acceptance corporation ii abs-15G](jpmmt-abs15g.htm)

**Exhibit 99.32**

**EXECUTIVE SUMMARY**

JPMMT 2026-NQM1

**Overview**

Maxwell Diligence Solutions, LLC ("MaxDiligence"), a third-party diligence provider, performed certain due diligence services (the "Review") described below on residential mortgage loans acquired by JPMorgan Chase Bank, National Association (the "Client").

The Review was conducted from August 2025 to November 2025 on mortgage loans (the "Loans") originated from August 2025 to November 2025. The Review consisted of 100% of the population of 12 loans with an original loan balance of $4,020,183.00.

**Scope of Review**

**Credit Review**

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

The credit review included the following (collectively, the "Credit Review"):

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Form
 is complete, signed, dated, on or before loan consummation date, and NMLS is complete

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validation
 of debt service coverage ratio ("DSCR") calculations

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. DSCR
 Loans

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

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

![](ex9932001.jpg)

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Occupancy
 Red flags adequately addressed

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. "Doing
 business as" or "also known as" names investigated and cleared

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Acceptable
 credit history and credit score requirements in conformance with applicable guidelines

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Tax
 returns and profit and loss statements, as applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Bank
 statements or other alternate income documents as required by the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Consistent/continuing
 employment, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Lease
 agreements and market rents, if applicable

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

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

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

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

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

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

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

![](ex9932001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Earnest
 money deposit verified

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Review Title Commitment/Policy</u> 

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Review Closing Documents</u> 

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Closing
 disclosure or Settlement Statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Qualified Mortgage / Ability-to-Repay Review</u> 

Loans with application dates after January 10, 2014 and prior to October 1, 2022 are subject to the Qualified Mortgage ("QM") rule and the Ability to Repay ("ATR") rule under Regulation Z of the Truth in Lending Act, as amended. Effective October 1, 2022, Loans with application dates on or after such date must comply with the General QM Final Rule, as well as the ATR rule. For these Loans, MaxDiligence will (a) confirm that the creditor provided a QM designation and (b) review the Loan for the eight (8) underwriting factors set forth Section 12(E)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. MaxDiligence
 reviewed each mortgage Loan to determine each mortgage Loan's status under the
 QM and ATR rule requirements and assign a QM and ATR designation as determined by MaxDiligence.
 MaxDiligence will note as a material exception if its QM and ATR designations do not
 confirm to the originator's original QM and ATR designations. Additionally, MaxDiligence
 will note if an originator's mortgage loan designation was not provided. MaxDiligence
 shall use the following designations:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. MaxDiligence
 utilizes the following QM designations for applicable Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) QM
 Safe-Harbor (also known as General QM)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) QM
 Rebuttal Presumption (including Higher-priced loans)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Temporary
 QM (for all applications prior to October 1, 2022)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Non-QM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. MaxDiligence
 utilizes the following ATR designations for applicable Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) ATR
 Compliant

![](ex9932001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) ATR
 Fail

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) ATR
 Exempt

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. In
 order to determine the QM designation, as applicable, MaxDiligence will review each Loan
 for the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Use
 of any risky mortgage loan features and terms (e.g. an interest only feature or negative
 amortization);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Do
 the "points and fees" exceed the applicable QM threshold;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Was
 monthly payment calculated appropriately;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Did
 the creditor considered and verify income or assets at or before consummation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Did
 the creditor appropriately considered debt obligations, alimony and child support;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. For
 mortgage loan applications prior to October 1, 2022, if the DTI ratio exceeded 43% (calculated
 in accordance with Appendix Q to Regulation Z).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. For
 mortgage loan applications on and after October 1, 2022, for which the annual percentage
 rate does not exceed the average prime offer rate for a comparable transaction as of
 the date the interest rate is set by the amounts specified based on loan amount (adjusted
 annually on January 1 by the annual percentage change in the Consumer Price Index for
 All Urban Consumers (CPI-U) that was reported on the preceding June 1) and the lien position
 of the proposed credit:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) For
 a first-lien covered transaction with a loan amount greater than or equal to $110,260
 (indexed for inflation), 2.25 or more percentage points; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) For
 a first-lien covered transaction with a loan amount greater than or equal to $66,156
 (indexed for inflation) but less than $110,260 (indexed for inflation), 3.5 or more percentage
 points; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) For
 a first-lien covered transaction with a loan amount less than $66,156 (indexed for inflation),
 6.5 or more percentage points; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) For
 a first-lien covered transaction secured by a manufactured home with a loan amount less
 than $110,260 (indexed for inflation), 6.5 or more percentage points; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) For
 a subordinate-lien covered transaction with a loan amount greater than or equal to $66,156
 (indexed for inflation), 3.5 or more percentage points; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) For
 a subordinate-lien covered transaction with a loan amount less than $66,156 (indexed
 for inflation), 6.5 or more percentage points.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Upon
 completion of Section 12(B) above, if a Loan is determined to be a QM loan, MaxDiligence
 will determine if the Loan is a Higher-Priced Mortgage Loan ("HPML") as defined
 by 12 CFR 1026.35:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If
 the Loan is HPML, then the Loan shall be designated as QM Rebuttal Presumption (Higher
 Priced);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If
 the Loan is not an HPML, then the Loan shall be designated as QM Safe Harbor.

![](ex9932001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Upon
 completion of Section 12(B) above, for each Loan that is designated as Non-QM, MaxDiligence
 then will determine whether the mortgage loan complies with the ATR rule, in accordance
 with the Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. MaxDiligence
 will evaluate the Loan for ATR compliance based on the following eight factors and will
 verify such information using reasonably reliable third-party records, at or before consummation:

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneous
 Loans: Ensure that all concurrent Loans were included in the DTI calculation, to properly
 assess the ability to repay.

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Upon
 completion of Section 12(E) above, MaxDiligence will assign an ATR designation.

**Property Review**

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

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

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

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

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

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

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

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

![](ex9932001.jpg)

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Other
 aspects of MaxDiligence's review included (i) verifying that the address matched
 the mortgage note, ((ii) if requested, noting whether the property zip code was declared
 a FEMA disaster area after the valuation date and notifying the Client of same, (iii)
 confirming the appraisal report does not include any apparent environmental problems,
 (iv) confirming the appraisal notes the current use of the property is legal or legal
 non-conforming (grandfathered), (v) reviewing pictures to ensure (a) that the property
 is in average or better condition and any repairs are noted where required and (b) that
 the subject property is the one for which the valuation was ordered and that there are
 no negative external factors; and (vi) confirming that the value product that was used
 as part of the origination decision conforms with rating agency requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. If
 more than one valuation was provided, MaxDiligence will confirm consistency among the
 valuation products and if there are discrepancies that could not be resolved, MaxDiligence
 created an exception, and work with the client on the next steps which may include ordering
 of additional valuation products such as collateral desktop reviews, broker's price
 opinions, and full appraisals, if needed. If the property valuation products included
 in MaxDiligence's review result in a variance of more than 10% then the client
 was notified of such variance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. MaxDiligence confirmed to the extent possible, that the appraiser and the appraisal made by such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, MaxDiligence will review the appraisal for conformity to industry standards,

![](ex9932001.jpg)

including ensuring the appraisal was complete, that the comparable properties and adjustments were reasonable and that pictures were provided and were accurate.

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

**Compliance Review**

"Compliance Review" means that MaxDiligence reviewed each Loan to determine, as applicable and subject to the limitations below, whether the Loan complied with the applicable Federal, State, and local regulatory requirements, each as amended. A Compliance Review shall not apply to business purpose loans.

The below Compliance Review is applicable to Loans with an application date on or after October 3, 2015, which are subject to the TILA/RESPA Integrated Disclosure Rule ("<u>TRID</u>"). With regard to TRID testing, MaxDiligence implemented the TRID scope of review as detailed in (i) Section III -Regulatory Compliance of the SFA RMBS TRID Grid 4.0 Compliance Review Scope published by the Structured Finance Association (formerly SFIG) (the "SFA RMBS Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. On an ongoing basis, MaxDiligence reviews updated interpretations of TRID through informal guidance provided by the Consumer Financial Protection Bureau ("CFPB"), such CFPB guidance may cause changes in the review scope and severity of TRID related exceptions, including applicable cures. While MaxDiligence continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12. <u>Loan Estimates ("LEs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Reviewed
 the initial LE and confirmed (i) the correct form was used; (ii) all sections of the
 Initial LE are completed; and (iii) the initial LE accurately reflects the information
 provided to MaxDiligence.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If
 there is a revised LE, confirmed (i) that there is a "valid reason" for the
 revised LE; and (ii) that the revised LE was issued within three (3) days of the change.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Determined
 which LE in the file is the "final binding" LE for the purpose of Tolerance
 Testing. A revised LE that is issued after the CD, or that does not state a valid reason
 will not be used for the purposes of Tolerance Testing. All revised LEs issued to the
 consumer will be reviewed for accuracy of terms.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Confirmed
 initial LE was delivered within three (3) business days from the application date, and
 at least seven (7) business days prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Confirmed
 revised LE was delivered within three (3) business days from date of the "valid
 reason" giving rise to the Revised LE, and at least four (4) business days prior
 to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Confirmed
 that certain sections of each LE determined to carry assignee liability were accurately
 completed and that information was reflected in the appropriate locations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;13. <u>Closing Disclosures ("CDs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Reviewed
 the CD and confirmed (i) the correct form was used; (ii) all sections of the CD are completed;
 and (iii) the CD accurately reflected the information provided to MaxDiligence.

![](ex9932001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If
 a subsequent CD is issued, confirmed (i) that there was a valid reason for the change;
 (ii) that the CD was issued within three (3) days of the change; and (iii) whether the
 reason for the change requires a new 3-day waiting period prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirmed
 initial CD, and any subsequent CD with material changes (i.e. changes that require a
 new waiting period), was received at least three (3) business days prior to the consummation
 date. With respect to applicable exception remediation measures for numerical exceptions,
 confirm that a letter of explanation, as well as a refund as applicable, was delivered
 or placed in the mail no later than sixty (60) days after discovery of the exception
 establishing the need for a revised CD or with respect to exception remediation measures
 for non-numerical exceptions, that a corrected CD was delivered or placed in the mail
 no later than sixty (60) days after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;14. <u>Federal Truth in Lending Act</u> ("TILA"), as implemented by Regulation Z, 12 C.F.R.
 Part 1026, as set forth below:

Rescission

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Failure
 to provide the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. failure
 to provide the right of rescission notice in a timely manner and to the correct consumer(s);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. errors
 in the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. failure
 to provide the correct form of right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. failure
 to provide the three (3) business days rescission period; and

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;15. <u>Tolerance Testing</u>. Compared the fees disclosed in the final binding LE to those in the final
 CD, and confirmed that final CD fees are within the permitted tolerances. Confirmed the
 total of payments are considered accurate as defined by Regulation Z. Confirmed finance
 charge tolerances are correct.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;16. <u>Subsequent Changes</u>. Reviewed the file to determine (i) whether there is evidence that certain
 changes or errors (per the regulation) were discovered subsequent to closing, (ii) and
 whether the Loan originator followed the prescribed cure. Test for evidence such as a
 copy of the refund check, or a corrected, post-consummation CD (" <u>PCCD</u> "),
 and (iii) with respect to applicable exception remediation measures for numerical exceptions,
 confirm that a letter of explanation, as well as a refund as applicable, was delivered
 or placed in the mail no later than sixty (60) days after discovery of the exception
 establishing the need for a revised CD or with respect to exception remediation measures
 for non-numerical exceptions, that a corrected CD was delivered or placed in the mail
 no later than sixty (60) days after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;17. <u>Loan Toolkit (§1026.19)</u>:

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

![](ex9932001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Confirmed
 Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) business
 days after receipt of application.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;18. <u>TILA</u> 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Points
 and fees threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. APR
 threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment
 penalty test; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Compliance
 with the disclosure requirements, limitation on terms and prohibited acts or practices
 in connection with a high-cost mortgage.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Compliance
 with the escrow account and appraisal requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. With
 respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan
 Originator Compensation and Steering (§1026.36):

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Reviewed
 relevant document to determine if there was dual compensation; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Reviewed
 the presence of the mortgage loan option disclosure and to determine if the Steering
 Safe Harbor provisions were satisfied.

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Determined
 if the creditor financed, directly or indirectly, any premiums or fees for credit insurance
 in jurisdictions where it is prohibited.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verified
 the data against the NMLSR database, as available.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;19. <u>RESPA</u>:

![](ex9932001.jpg)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirmed
 the presence of the Servicing Disclosure Statement form in the mortgage loan file;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirmed
 the presence of the Your Home Loan Toolkit/Special Information Booklet in the mortgage
 loan file or that the mortgage loan file contains documentary evidence that the disclosure
 was provided to the borrower;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Confirmed
 the Your Home Loan Toolkit /Special Information Booklet was provided within three (3)
 business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Confirmed
 the presence of the CHARM booklet when applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Confirmed
 that the CHARM booklet was issued within three (3) business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Confirmed
 the presence of the Affiliated Business Arrangement Disclosure in the mortgage loan file
 in the event the lender has affiliated business arrangements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Confirmed
 the Affiliated Business Arrangement Disclosure was provided no later than three (3) business
 days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. Confirmed
 the Affiliated Business Arrangement Disclosure is executed;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Confirmed
 the presence of the Initial Escrow Disclosure Statement in the mortgage loan file and
 proper timing;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xi. Confirmed
 that the creditor provided the borrower a list of homeownership counselling organizations
 within three (3) business days of application; and

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;20. <u>ECOA</u>:
 The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002,
 as set forth below:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Timing
 and content of the right to receive copy of appraisal disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Charging
 of a fee for a copy of the appraisal or other written valuation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Timing
 of creditor providing a copy of each appraisal or other written valuation; and

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;21. <u>Other Provisions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Texas:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas
 Constitution and associated regulations;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Fed/State/Local
 Predatory Lending:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Prepay
 Penalties and Late Fees:

![](ex9932001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Federal
 and state specific late charge and prepayment penalty provisions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;22. <u>Exclusions</u>.
 MaxDiligence did not test:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Loan
 types that are excluded from compliance with TRID.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Technical
 formatting of disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Other
 Post-consummation disclosures, including Escrow Closing Notice; and Mortgage servicing
 transfer and partial payment notices.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. For
 Loans made by an FDIC-supervised institution or servicer, extended or renewed on or after
 January 1, 2016, whether prohibited fees were collected prior to the initial LE being
 issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Whether
 any fee is a "bona fide" fee for third-party services

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Whether
 the loans comply with all federal, state or local laws, constitutional provisions, regulations
 or ordinances that are not expressly enumerated above.

**Summary of Results**

**OVERALL RESULTS SUMMARY** 

The Guidelines listed below were used as a benchmark with respect to credit and property reviews for grading purposes. The loans were assigned an initial grade after the initial review. The final grade was determined after additional documentations were provided to satisfy outstanding conditions. When Guideline exceptions were provided, reviewers reviewed to ensure compensating factors were also provided and documented.

- Fannie Mae

- Freddie Mac

- AD Mortgage Jumbo Blue Underwriting Guidelines

- Better Mortgage JP Morgan CIB Residential Purchase Criteria

- FIMC Debt Service Coverage Ratio (DSCR) Non-QM Final

- Northpointe Bank – Section 600 – Expanded Portfolio

- UWM Prime Jumbo Overlays

After giving consideration to the grading criteria of the relevant NRSROs, 100% of the loans received an Overall "A" grade.

**Final Loan Grades**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** | &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** | &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** |
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**12** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |

---

![](ex9932001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**12** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**12** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**12** | &nbsp;&nbsp;**100.00%** |

---

**Exception Category Summary**

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Audited CLTV Exceeds Guideline CLTV | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Audited HCLTV Exceeds Guideline HCLTV | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Audited LTV Exceeds Guideline LTV | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Guideline - Federal and/or State High Cost Ineligible per guidelines | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Hazard Insurance Effective Date is after the Disbursement Date | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing Business Purpose Affidavit | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Program Parameters - Guidelines Conformity | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions*** | &nbsp;&nbsp;***14*** |
| &nbsp;&nbsp;Property &nbsp;&nbsp;A | &nbsp;&nbsp;Value - Value is supported within -10% of original appraisal amount | &nbsp;&nbsp;12 |
|  | &nbsp;&nbsp;***Total Property Grade (A) Exceptions*** | &nbsp;&nbsp;***12*** |
| &nbsp;&nbsp;Compliance &nbsp;&nbsp;A | &nbsp;&nbsp;AbilityToRepay: QMPointsAndFees | &nbsp;&nbsp;1 |

---

![](ex9932001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;Federal - Maximum Late Fee (01/14) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Federal - Section 32 Disclosure Required (High Cost) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;HighCost: APR/FEES | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;HighCost: Fees | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing Doc - Homeownership Counseling Disclosure/Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;No Compliance Tests Performed | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;No Compliance Tests performed HEI/HEA review | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;The Initial 1003 is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID: CD not delivered at least 3 days prior to consummation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions*** | &nbsp;&nbsp;***18*** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

As part of the Credit and Property Reviews, MaxDiligence captured data from the source documents and compared it to a data tape provided by Client. MaxDiligence provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by MaxDiligence during the diligence process.

Of the 12 Loans reviewed, 11 unique Loans (by loan count) had a total of 31 different tape discrepancies across 11 data fields (some Loans may have had more than one). A blank or zero value on the data tape when an actual value was captured by MaxDiligence was not treated as a data variance.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance (by possible exceptions)** |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;12 | &nbsp;&nbsp;16.67% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;12 | &nbsp;&nbsp;8.33% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;6 | &nbsp;&nbsp;12 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;6 | &nbsp;&nbsp;12 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;1 | &nbsp;&nbsp;12 | &nbsp;&nbsp;8.33% |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;3 | &nbsp;&nbsp;12 | &nbsp;&nbsp;25.00% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;1 | &nbsp;&nbsp;12 | &nbsp;&nbsp;8.33% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;3 | &nbsp;&nbsp;12 | &nbsp;&nbsp;25.00% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;3 | &nbsp;&nbsp;12 | &nbsp;&nbsp;25.00% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;3 | &nbsp;&nbsp;12 | &nbsp;&nbsp;25.00% |
| &nbsp;&nbsp;Total Monthly Property Insurance Amount | &nbsp;&nbsp;2 | &nbsp;&nbsp;12 | &nbsp;&nbsp;16.67% |

---

![](ex9932001.jpg)

**Event Grade Definitions**

---

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

---

---

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

---

---

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

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event Grades** | &nbsp;&nbsp;**Valuation Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The value is supported within 10% of the original appraisal by the AVM or there are other supporting documents in the originators loan file package (desk reviews, field review or second appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal by the AVM and there are no other valuation support documents in the loan file provided by the Seller. The valuation methodology substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding guidelines. The appraisal was performed on an "as-is" basis and the |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event Grades** | &nbsp;&nbsp;**Valuation Event Grades** |
|  | &nbsp;&nbsp; property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms, or other eligible forms based on lender/investor requirements. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms, or other eligible forms based on lender/investor requirements. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

## Exhibit 99.33

[j.p. morgan acceptance corporation ii abs-15G](jpmmt-abs15g.htm)

**Exhibit 99.33**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Last Name** | **Property State** | **Occupancy** | **Purpose** | **Originator QM Status** | **TPR QM Status** | **Exception ID** | **Exception Number** | **Exception Date** | **Exception Type** | **Exception Subcategory** | **Exception** | **Exception Remedy** | **Rebuttal** | **TPR Response** | **Compensating Factors** | **Status Update Date** | **Finding Status** | **Initial Exception Grade** | **Final Exception Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| XXXXXX | 304826901 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | OH | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 1 of 4 | 2025-10-06 14:13 | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard insurance effective date is after the disbursement date. Hazard insurance effective date is XXXXXX<br>|  | Please see attached - 10/08/2025<br>| Documentation provided is sufficient. - 10/14/2025<br> Hazard Insurance Effective Date of XXXXXX is prior to or equal to the Disbursement Date of XXXXXX Or the Date(s) Are Not Provided - 10/14/2025<br> Please see attached - 10/08/2025 |  | 2025-10-14 20:56 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304826901 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | OH | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 2 of 4 | 2025-10-06 14:27 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI exceeds guideline DTI. Review DTI exceeds the AUS DTI by 0.18%, possibly due to rounding? <br>|  | DTI is 28.483% - within guidelines - 10/08/2025<br>| DTI is 28.483% - within guidelines - 10/08/2025<br>|  | 2025-10-14 20:54 | Void | 3 |  | 3 | 1 |
| XXXXXX | 304826901 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | OH | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 3 of 4 | 2025-10-06 14:30 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-10-06 14:30 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304826901 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | OH | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 4 of 4 | 2025-10-06 17:44 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-10-06 20:51 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304789536 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | MI | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 1 of 3 | 2025-09-02 20:33 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-09-02 20:33 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304789536 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | MI | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 2 of 3 | 2025-09-03 21:28 | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Subject to additional conditions due to eligibility matrices not included. <br>|  |  | Guidelines provided are sufficient. - 09/11/2025<br>|  | 2025-09-11 19:14 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304789536 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | MI | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 3 of 3 | 2025-09-04 12:47 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-09-04 14:22 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304769764 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | IN | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | Non-QM: Lender documented all ATR UW factors | XXXXXX | 1 of 3 | 2025-09-06 13:34 | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Missing the Guideline Matrix to determine conformity, subject to review and additional conditions. <br>|  |  | Guidelines provided are sufficient. - 09/11/2025<br>|  | 2025-09-11 21:56 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304769764 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | IN | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | Non-QM: Lender documented all ATR UW factors | XXXXXX | 2 of 3 | 2025-09-08 19:42 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-09-08 19:42 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304769764 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | IN | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | Non-QM: Lender documented all ATR UW factors | XXXXXX | 3 of 3 | 2025-09-08 19:43 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-09-08 19:43 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304750550 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | MD | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 1 of 7 | 2025-09-02 00:49 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-09-02 00:49 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304750550 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | MD | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 2 of 7 | 2025-09-02 18:59 | Compliance | HighCost: Fees | The loan fees (XXXXXX) exceed the (XXXXXX High Cost fee limit, which is (XXXXXX, the difference is (XXXXXX). Loan fails high cost testing. Fees include Loan Discount points, underwriting and processing fees. <br>|  | XXXXXX See attached Lock Action with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within 2% higher than APOR which allows for 1% bonafide discount to be applied. The Undiscounted Interest Rate Price is $0. - 09/22/2025 | Received verification of bona fide discount points excluded from High Cost analysist. Finding resolved - 09/22/2025<br> XXXXXX See attached Lock Action with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within 2% higher than APOR which allows for 1% bonafide discount to be applied. The Undiscounted Interest Rate Price is $0. - 09/22/2025 |  | 2025-09-22 17:28 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304750550 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | MD | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 3 of 7 | 2025-09-02 18:59 | Compliance | Federal - Maximum Late Fee (01/14) | You submitted a late fee amount of (XXXXXX) and a (5.0%) Late Fee Percent. In connection with a Federal High-Cost Mortgage any late payment charge must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed 4% of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. (12 CFR 1026.34(a)(8)(i)) Loan fails high cost testing. Fees include Loan Discount points, underwriting and processing fees. <br>|  | XXXXXX See attached Lock Action with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within 2% higher than APOR which allows for 1% bonafide discount to be applied. The Undiscounted Interest Rate Price is $0. - 09/22/2025 | Received verification of bona fide discount points excluded from High Cost analysist. Finding resolved - 09/22/2025<br> XXXXXX See attached Lock Action with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within 2% higher than APOR which allows for 1% bonafide discount to be applied. The Undiscounted Interest Rate Price is $0. - 09/22/2025 |  | 2025-09-22 17:26 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304750550 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | MD | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 4 of 7 | 2025-09-02 18:59 | Compliance | AbilityToRepay: QMPointsAndFees | The loan fees ($XXXXXX) exceed the (QM) (Note Amount >=$XXXXXX) fee limit, which is 3% of the Total Loan Amount ($XXXXXX), the difference is ($XXXXXX). (12 CFR 1026.43(e)(3). non qm <br>|  |  | Received verification of bona fide discount points excluded from High Cost analysist. Finding resolved - 09/22/2025<br>|  | 2025-09-22 17:28 | Resolved | 1 | 1 | 3 | 1 |
| XXXXXX | 304750550 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | MD | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 5 of 7 | 2025-09-02 18:59 | Compliance | Federal - Section 32 Disclosure Required (High Cost) | This is a Federal High Cost Loan. Since the loan file does not contain a Section 32 Sign Date, the System assumes the creditor did not furnish the Federal High Cost Section 32 disclosures at least 3 business days prior to consummation, in violation of Reg Z. (12 CFR 1026.31(c) and 1026.32(c)) Loan fails high cost testing. Fees include Loan Discount points, underwriting and processing fees. <br>|  | XXXXXX See attached Lock Action with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within 2% higher than APOR which allows for 1% bonafide discount to be applied. The Undiscounted Interest Rate Price is $0. - 09/22/2025 | Received verification of bona fide discount points excluded from High Cost analysist. Finding resolved - 09/22/2025<br> XXXXXX See attached Lock Action with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within 2% higher than APOR which allows for 1% bonafide discount to be applied. The Undiscounted Interest Rate Price is $0. - 09/22/2025 |  | 2025-09-22 17:27 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304750550 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | MD | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 6 of 7 | 2025-09-02 18:59 | Compliance | HighCost: APR/FEES | The loan fees ($XXXXXX) exceed the (FED2014) (Note Amount >=$XXXXXX fee limit, which is 5% of the Total Loan Amount ($XXXXXX), the difference is (XXXXXX). (12 CFR 1026.32). Loan fails high cost testing. Fees include Loan Discount points, underwriting and processing fees. <br>|  | XXXXXX See attached Lock Action with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within 2% higher than APOR which allows for 1% bonafide discount to be applied. The Undiscounted Interest Rate Price is $0. - 09/22/2025 | Received verification of bona fide discount points excluded from High Cost analysist. Finding resolved - 09/22/2025<br> XXXXXX See attached Lock Action with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within 2% higher than APOR which allows for 1% bonafide discount to be applied. The Undiscounted Interest Rate Price is $0. - 09/22/2025 |  | 2025-09-22 17:27 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304750550 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | MD | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 7 of 7 | 2025-09-03 19:07 | Credit | Guideline - Federal and/or State High Cost Ineligible per guidelines | Loan fails high cost testing. Fees included are Discount points, underwriting and processing fees. Loan is a Federal or State High Cost Loan. . Loan is a Federal or State High Cost Loan. <br>|  | . - 09/22/2025<br>| Received verification of bona fide discount points excluded from High Cost analysist. Finding resolved - 09/22/2025<br>. - 09/22/2025<br>|  | 2025-09-22 17:26 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304818359 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 1 of 5 | 2025-10-06 11:06 | Compliance | The Initial 1003 is Missing | The Initial 1003 is missing. Unable to locate the Initial 1003 in the loan file. <br>|  | Please see attached - 10/13/2025<br>| Received initial 1003 - 10/14/2025<br>Please see attached - 10/13/2025<br>|  | 2025-10-14 20:38 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304818359 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 2 of 5 | 2025-10-06 12:19 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-10-06 12:19 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304818359 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 3 of 5 | 2025-10-06 12:20 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-10-06 12:20 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304818359 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 4 of 5 | 2025-10-06 13:59 | Compliance | Missing Doc - Homeownership Counseling Disclosure/Incomplete | Homeownership Counseling Disclosure is partially provided. The HOC does not have a date that is was provided and could not locate disclosure tracking in the file. <br>|  | Timeline shows when the HOC was sent to the borrower - 10/13/2025<br>| Received date disclosure was electronically sent - 10/14/2025<br>Timeline shows when the HOC was sent to the borrower - 10/13/2025<br>|  | 2025-10-14 20:39 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304818359 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 5 of 5 | 2025-10-06 14:29 | Compliance | TRID: CD not delivered at least 3 days prior to consummation | File contains no evidence the initial CD was received by the nonborrowing title holder XXXXXX at least 3 days prior to closing  |  | Timeline shows when XXXXXX received the ICD. Please waive - 10/13/2025 | Received non-borrowers receipt of CD - 10/14/2025<br>Timeline shows when Whitney received the ICD. Please waive - 10/13/2025<br>|  | 2025-10-14 20:37 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304844366 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | WV | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 1 of 3 | 2025-10-13 19:36 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-10-13 19:36 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304844366 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | WV | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 2 of 3 | 2025-10-13 19:36 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-10-13 19:36 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304844366 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | WV | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 3 of 3 | 2025-10-13 19:36 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-10-13 19:36 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304844611 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | OK | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Not Applicable | XXXXXX | 1 of 3 | 2025-10-13 13:43 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-10-13 13:43 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304844611 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | OK | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Not Applicable | XXXXXX | 2 of 3 | 2025-10-13 13:44 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-10-13 13:44 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304844611 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | OK | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Not Applicable | XXXXXX | 3 of 3 | 2025-10-13 13:44 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-10-13 13:44 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304873879 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | KY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 1 of 5 | 2025-11-20 15:43 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV exceeds guideline CLTV. The audited CLTV of 75% exceeds the guideline maximum of 70% for a DSCR below 1.0, origination DSCR is 1.06, review DSCR is 0.98, the variance is due to the property tax calculation for the subject property, the originator used a tax cert from XXXXXX. origination used the tax cert value from XXXXXX <br>|  | Please see attached - 11/24/2025<br>| Property Tax amount was corrected. DSCR is 1.06%. Condition resolved. - 11/26/2025<br>Audited CLTV of 75% is less than or equal to Guideline CLTV of 75% - 11/26/2025<br>Please see attached - 11/24/2025<br>|  | 2025-11-26 21:18 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304873879 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | KY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 2 of 5 | 2025-11-20 15:43 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV exceeds guideline HCLTV. The audited HLTV of 75% exceeds the guideline maximum of 70% for a DSCR below 1.0, origination DSCR is 1.06, review DSCR is 0.98, the variance is due to the property tax calculation for the subject property, the originator used a tax cert from XXXXXX, origination used the tax cert value from XXXXXX<br>|  | Please see attached - 11/24/2025<br>| Property Tax amount was corrected. DSCR is 1.06%. Condition resolved. - 11/26/2025<br>Audited HLTV of 75% is less than or equal to Guideline HCLTV of 75% - 11/26/2025<br>Please see attached - 11/24/2025<br>|  | 2025-11-26 21:18 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304873879 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | KY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 3 of 5 | 2025-11-20 15:43 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV exceeds guideline LTV. The audited LTV of 75% exceeds the guideline maximum of 70% for a DSCR below 1.0, origination DSCR is 1.06, review DSCR is 0.98, the variance is due to the property tax calculation for the subject property, the originator used a tax cert from XXXXXX, origination used the tax cert value from XXXXXX <br>|  | Please see attached - 11/24/2025<br>| Property Tax amount was corrected. DSCR is 1.06%. Condition resolved. - 11/26/2025<br>Audited LTV of 75% is less than or equal to Guideline LTV of 75% - 11/26/2025<br>Please see attached - 11/24/2025<br>|  | 2025-11-26 21:17 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304873879 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | KY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 4 of 5 | 2025-11-20 15:45 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-11-20 15:45 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304873879 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | KY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 5 of 5 | 2025-11-20 15:45 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-11-20 15:45 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304840416 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | IL | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 1 of 3 | 2025-10-13 12:30 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-10-13 12:30 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304840416 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | IL | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 2 of 3 | 2025-10-13 12:30 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-10-13 12:30 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304840416 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | IL | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 3 of 3 | 2025-10-13 18:33 | Compliance | No Compliance Tests performed HEI/HEA review | Future Equity loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-10-13 18:33 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304826637 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | IL | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 1 of 3 | 2025-10-14 12:39 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-10-14 12:39 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304826637 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | IL | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 2 of 3 | 2025-10-14 12:39 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-10-14 12:39 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304826637 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | IL | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 3 of 3 | 2025-10-14 12:39 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-10-14 12:39 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304759546 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | VA | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 1 of 3 | 2025-08-14 15:12 | Credit | Missing Business Purpose Affidavit | File is missing statement of business purpose. The Business Purpose affidavit in the file is missing page 3, the signature page. <br>|  | Business Purpose Cert all pages - 08/22/2025 <br>Business Purpose - 08/19/2025<br>| Resolved: Documentation provided is satisfactory. - 08/22/2025<br>Business Purpose Cert all pages - 08/22/2025<br>Document provided is not executed. - 08/21/2025<br>Business Purpose - 08/19/2025<br>|  | 2025-08-22 15:59 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304759546 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | VA | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 2 of 3 | 2025-08-14 16:10 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-08-14 16:10 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304759546 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | VA | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 3 of 3 | 2025-08-14 16:10 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-08-14 16:10 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304869231 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | NC | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 1 of 3 | 2025-10-28 14:31 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-10-28 14:31 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304869231 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | NC | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 2 of 3 | 2025-10-28 14:32 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-10-28 14:32 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304869231 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | NC | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 3 of 3 | 2025-10-28 14:32 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-10-28 14:32 | Cleared | 1 | 1 | 1 | 1 |

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## Exhibit 99.34

[j.p. morgan acceptance corporation ii abs-15G](jpmmt-abs15g.htm)

**Exhibit 99.34**

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![Picture](ex9934001.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Client | JPMMT 2026-NQM1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Transaction | JPMMT 2026-NQM1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Date | 01/05/2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Initial Loan Rating** | **Final Loan Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Valuation Rating** | **Final Valuation Rating** | **Initial Loan Grade (S&P)** | **Final Loan Grade (S&P)** | **Initial Credit Grade (S&P)** | **Final Credit Grade (S&P)** | **Initial Compliance Grade (S&P)** | **Final Compliance Grade (S&P)** | **Initial Valuation Grade (S&P)** | **Final Valuation Grade (S&P)** | **Initial Loan Grade (DBRS Morningstar)** | **Final Loan Grade (DBRS Morningstar)** | **Initial Credit Grade (DBRS Morningstar)** | **Final Credit Grade (DBRS Morningstar)** | **Initial Compliance Grade (DBRS Morningstar)** | **Final Compliance Grade (DBRS Morningstar)** | **Initial Valuation Grade (DBRS Morningstar)** | **Final Valuation Grade (DBRS Morningstar)** | **Initial Loan Grade (Fitch)** | **Final Loan Grade (Fitch)** | **Initial Credit Grade (Fitch)** | **Final Credit Grade (Fitch)** | **Initial Compliance Grade (Fitch)** | **Final Compliance Grade (Fitch)** | **Initial Valuation Grade (Fitch)** | **Final Valuation Grade (Fitch)** | **Initial Loan Grade (Kroll)** | **Final Loan Grade (Kroll)** | **Initial Credit Grade (Kroll)** | **Final Credit Grade (Kroll)** | **Initial Compliance Grade (Kroll)** | **Final Compliance Grade (Kroll)** | **Initial Valuation Grade (Kroll)** | **Final Valuation Grade (Kroll)** | **Initial Loan Grade (Moody's)** | **Final Loan Grade (Moody's)** | **Initial Credit Grade (Moody's)** | **Final Credit Grade (Moody's)** | **Initial Compliance Grade (Moody's)** | **Final Compliance Grade (Moody's)** | **Initial Valuation Grade (Moody's)** | **Final Valuation Grade (Moody's)** |
| XXXXXX | 304826901 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXXXX | 304789536 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXXXX | 304769764 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXXXX | 304750550 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A |
| XXXXXX | 304818359 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A |
| XXXXXX | 304844366 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | 304844611 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | 304873879 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXXXX | 304840416 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | 304826637 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | 304759546 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXXXX | 304869231 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |

---

## Exhibit 99.35

[j.p. morgan acceptance corporation ii abs-15G](jpmmt-abs15g.htm)

**Exhibit 99.35**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXXXX | XXXXXX | 304826901 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 89.99 | 89.99 | XXXXXX | XXXXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXXXX | Eligible |  |  |
| XXXXXX | XXXXXX | 304789536 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 89.78 | 89.78 | XXXXXX | XXXXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXXXX |
| XXXXXX | XXXXXX | 304769764 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 89.99 | 89.99 | XXXXXX | XXXXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXXXX |  |  |  |
| XXXXXX | XXXXXX | 304750550 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 87.95 | 87.95 | XXXXXX | XXXXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXXXX |
| XXXXXX | XXXXXX | 304818359 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 70.0 | 70.0 | XXXXXX | XXXXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXXXX |
| XXXXXX | XXXXXX | 304844366 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | .0000 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXXXX |
| XXXXXX | XXXXXX | 304844611 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 75.0 | 75.0 | XXXXXX | XXXXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | .0000 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXXXX |
| XXXXXX | XXXXXX | 304873879 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 75.0 | 75.0 | XXXXXX | XXXXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | XXXXXX | Not Eligible | 2.5 | XXXXXX |
| XXXXXX | XXXXXX | 304840416 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 55.56 | 55.56 | XXXXXX | XXXXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | .0000 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXXXX |
| XXXXXX | XXXXXX | 304826637 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | .0000 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXXXX |
| XXXXXX | XXXXXX | 304759546 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1025 Small Residential Income Report | XXXXXX | 70.0 | 70.0 | XXXXXX | XXXXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | .0000 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | 304869231 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | .0000 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XXXXXX |

---

## Exhibit 99.36

[j.p. morgan acceptance corporation ii abs-15G](jpmmt-abs15g.htm)

**Exhibit 99.36**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXXXX | XXXXXX | 304826901 | Qualifying LTV | XXXXXX | XXXXXX | Per the source documents |
| XXXXXX | XXXXXX | 304826901 | Qualifying CLTV | XXXXXX | XXXXXX | Per the source documents |
| XXXXXX | XXXXXX | 304826901 | Qualifying Total Debt Income Ratio | XXXXXX | XXXXXX | Per the source documents |
| XXXXXX | XXXXXX | 304789536 | Qualifying LTV | XXXXXX | XXXXXX | XXXXXX |
| XXXXXX | XXXXXX | 304789536 | Qualifying CLTV | XXXXXX | XXXXXX | XXXXXX |
| XXXXXX | XXXXXX | 304769764 | Qualifying Total Debt Income Ratio | XXXXXX | XXXXXX | Per LPA/AUS loan approval - Actual DTI and not rounded. |
| XXXXXX | XXXXXX | 304818359 | Qualifying Total Debt Income Ratio | XXXXXX | XXXXXX | Per the source documents |
| XXXXXX | XXXXXX | 304844366 | Loan Type | XXXXXX | XXXXXX | Per the source documents |
| XXXXXX | XXXXXX | 304844366 | Property Address | XXXXXX | XXXXXX | Per the source documents |
| XXXXXX | XXXXXX | 304844366 | Total Monthly Property Insurance Amount | XXXXXX | XXXXXX | Per the source documents |
| XXXXXX | XXXXXX | 304844366 | Calculated DSCR | XXXXXX | XXXXXX | Per the source documents |
| XXXXXX | XXXXXX | 304844611 | Loan Type | XXXXXX | XXXXXX | Per the source documents |
| XXXXXX | XXXXXX | 304844611 | Prepayment Penalty Flag | XXXXXX | XXXXXX | Per the source documents |
| XXXXXX | XXXXXX | 304844611 | Borrower 1 Self-Employment Flag | XXXXXX | XXXXXX | Per the source documents |
| XXXXXX | XXXXXX | 304844611 | Calculated DSCR | XXXXXX | XXXXXX | Per the source documents |
| XXXXXX | XXXXXX | 304873879 | Borrower 1 Last Name | XXXXXX | XXXXXX | Per the source documents |
| XXXXXX | XXXXXX | 304873879 | Calculated DSCR | XXXXXX | XXXXXX | Per the source documents |
| XXXXXX | XXXXXX | 304840416 | Loan Type | XXXXXX | XXXXXX | Per the source documents |
| XXXXXX | XXXXXX | 304840416 | Qualifying LTV | XXXXXX | XXXXXX | Per the source documents |
| XXXXXX | XXXXXX | 304840416 | Qualifying CLTV | XXXXXX | XXXXXX | Per the source documents |
| XXXXXX | XXXXXX | 304840416 | Total Monthly Property Insurance Amount | XXXXXX | XXXXXX | Per the source documents |
| XXXXXX | XXXXXX | 304840416 | Calculated DSCR | XXXXXX | XXXXXX | Per the source documents |
| XXXXXX | XXXXXX | 304826637 | Loan Type | XXXXXX | XXXXXX | Per the source documents |
| XXXXXX | XXXXXX | 304826637 | Borrower 1 Last Name | XXXXXX | XXXXXX | Per the source documents |
| XXXXXX | XXXXXX | 304826637 | Prepayment Penalty Flag | XXXXXX | XXXXXX | Per the source documents |
| XXXXXX | XXXXXX | 304826637 | Calculated DSCR | XXXXXX | XXXXXX | Per the source documents |
| XXXXXX | XXXXXX | 304759546 | Loan Type | XXXXXX | XXXXXX | DSCR |
| XXXXXX | XXXXXX | 304759546 | Number of Units | XXXXXX | XXXXXX | Per Appraisal. |
| XXXXXX | XXXXXX | 304869231 | Loan Type | XXXXXX | XXXXXX | Per the source documents |
| XXXXXX | XXXXXX | 304869231 | Prepayment Penalty Flag | XXXXXX | XXXXXX | Per the source documents |
| XXXXXX | XXXXXX | 304869231 | Calculated DSCR | XXXXXX | XXXXXX | Per the source documents |

---

## Exhibit 99.37

[j.p. morgan acceptance corporation ii abs-15G](jpmmt-abs15g.htm)

**Exhibit 99.37**

![](ex9937_001.jpg)

JPMMT 2026-NQM1<br>JPMorgan<br>

Opus Capital Markets Consultants, LLC

300 Tri-State International – Suite 320 \| Lincolnshire, IL 60069 \| www.opuscmc.com \| 224.632.1300

**Executive Narrative**

**January 14, 2026**

**Performed by** 

**Opus Capital Markets Consultants, LLC**

**For** 

**JPMorgan** 

The report summarizes the results of a due diligence review performed on a pool of 2 loans, of which were purchased by JPMorgan Chase Bank, National Association, as successor by merger to J.P. Morgan Mortgage Acquisition Corp. ("Customer") from an originator (the "Originator") who is a client of Opus Capital Markets Consultants, LLC ("Consultant") under a reliance letter, and for which the Originator provided Consultant with a data tape, from which, in each case, 100% of the loan population was chosen and loaded into the LauraMac underwriting software. Consultant performed a detailed credit and compliance review of all loans.

As detailed herein, the pool contains 1 NQM and 1 ATR/QM Exempt (DSCR) credit and compliance loans and were re-underwritten in accordance with the lender guidelines described herein.

**Credit Review**

**Credit Qualification**

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

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

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

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

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

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

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

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

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

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

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

**Document Review**

**Document Review**

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

**a) Collateral Docs**

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

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

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

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

**b) Closing Docs**

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

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

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

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

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

**c) Credit Docs**

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

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

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

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

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

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

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

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

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

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

**Regulatory Compliance**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

vi) Review for evidence of prepayment penalty

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Delivery of copies no later than three days prior to consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· If the property falls under the 'flipping' definition,
a second appraisal is required and must document:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The difference in the original sales price and the subsequent
sales price

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Changes in market conditions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property improvements

There is additional responsibility for providing copies of ALL documentation used in the valuation of the property, not just the final appraisal, and requirements for full appraisals, versus other forms of valuations. System enhancements have also been made to require verification of documentation and acknowledgement by the reviewer of evidence supporting the new requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**f)** **RESPA/Regulation X** (Loans with an Application Date prior to 10/03/2015):<br>

Each mortgage loan will be reviewed to ensure compliance with the January 1, 2010, or most current amendments to Regulation X. The RESPA/Regulation X review will consist of the following:<br>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Good Faith Estimate (GFE):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Consultant will confirm compliance with current RESPA requirements
in effect at origination of the Mortgage Loan including the presence of the current GFE form in effect at the time of origination.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Verify the GFE was provided to the borrower(s) within three
days of "Application".

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Application shall be defined by Regulation X and generally
be considered complete when the following seven conditions are met:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Borrower(s) First and Last Name

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Borrower(s) Social Security Number (to enable the loan originator to obtain a credit report)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Subject Property Address (including "To Be Determined")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Mortgage Loan Amount Sought

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Estimation of Property Value

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Monthly Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Any other requirement as defined in the lender's policies and procedures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Consultant will verify that all Broker fees, including Yield
Spread Premium ("YSP") were accurately disclosed and reflected in the appropriate locations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Fees will be reviewed to ensure they are reasonable and
customary fees for the lender and title and escrow companies and that those fees were accurately disclosed on the GFE and were reflected
in the proper location on the document.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Analysis to determine whether a Changed Circumstance form
is required to accompany each revised Good Faith Estimate (GFE)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Change of Circumstance Definition:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Acts of God, war, disaster or other emergency;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Information particular to borrower or transaction that was relied on in providing the GFE and that changes
or is found to be inaccurate after GFE has been provided to borrower;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. New information particular to the borrower or transaction that was not relied on in providing the GFE;
or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Other circumstances that are particular to borrower or transaction, including boundary disputes, need
for flood insurance or environmental problems

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. In the event any of the above occurs, the loan originator is required to provide a new revised GFE to
the borrower within 3 business days of receiving information sufficient to establish "changed circumstances" and document
the reason the revised GFE was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Rate Locks: If the rate has not been locked by the borrower or a locked rate has expired, the charge
or credit for rate chosen, adjusted origination charges, per diem interest and loan terms related to the rate may change. If borrower
later locks the rate, a new GFE must be provided showing the revised rate-dependent charges and terms. All other charges and terms must
remain the same as on the original GFE, except as otherwise provided above for "changed circumstances."

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Final HUD-1: Consultant will confirm compliance with current
RESPA requirements in effect at origination of the Mortgage Loan including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the current applicable Final HUD-1 form

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Final HUD-1 accurately lists all broker and YSP fees.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Good Faith Estimate (GFE) and Final HUD-1 Analysis: Confirm
compliance with current RESPA requirements in effect at origination of the Mortgage Loan including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Analysis of Origination fees disclosed on the Good Faith Estimate (GFE) and those charged to the borrower(s) on the Final HUD-1 (no variance) - No variance for the following charges:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Origination Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Credit or Charge for Interest Rate Chosen

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Adjusted Origination Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) Transfer Taxes

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) Analysis of Third-Party fees disclosed on the Good Faith Estimate (GFE) and those charged to the borrower(s) on the Final HUD-1 (10% tolerance) - 10% tolerance between GFE and actual charges at settlement for sum of following services:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Lender-required settlement services (lender selects third-party provider);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Lender-required services, title services and required title insurance, and owner's title insurance, when the borrower uses a settlement service provider identified by the loan originator; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Government recording charges

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Analysis to confirm all fees are accurately reflected in
the correct tolerance category on the Good Faith Estimate (GFE) and Final HUD-1

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Analysis to confirm lender accurately provided borrower
adequate restitution in the event of tolerance violations and timelines for restitution/document correction were adhered to

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Analysis to confirm loan terms are accurately disclosed
between the Good Faith Estimate (GFE) and Final HUD-1

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Analysis to confirm page 3 of the HUD-1 accurately reflects
fees disclosed on the Good Faith Estimate (GFE) and Final HUD-1<br>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**g)** **QM / ATR (Qualified Mortgage / Ability to Repay)** 

**(LOANS WITH APPLICATION DATE ON OR AFTER 01/10/2014) Covers Legacy QM Rules (applications on or after 01/10/2014); elective compliance date of Revised QM Rules (applications on or after 3/1/2021); mandatory date of Revised QM Rules for GSE Purchase/Securitization (applications on or after 7/1/2021); and mandatory date of Revised QM Rules (applications on or after 10/1/2022)**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(1)** **QM/ATR (Qualified Mortgage/Ability to Repay)** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**a.** **Ability to Repay** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Consultant will incorporate checkpoints for the ATR's eight verification steps for any origination
QC work. Consultant has the option to run ATR checks on any transactions subject to QM that fall outside the ability to meet QM guidelines,
whether due to coverage exceptions or due to failing QM criteria. Thus, any transaction that is being tested for QM will also have the
ability to be screened for ATR if the QM testing fails or the loan is exempt from QM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Consultant is required to verify all information within the scope of the eight verification steps before
an ATR loan can pass. These eight tests include verifications of any amounts used in the loan consideration and a page(s) reference to
the third-party records/documentation/images

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Income and Assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Current Employment Status

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Monthly qualifying payments for the proposed loan

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Monthly payment on any simultaneous loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Monthly payment for mortgage related obligations for the proposed loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Debts, alimony and child support

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Qualifying monthly DTI and/or residual income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Credit History

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. If all of the verifications are made and each of the eight topic areas is confirmed to agree with the
representations made by the lender, and there are no credit exceptions to the lender's guidelines, the loan will pass the ATR test.
If any of the conditions fail or the loan lacks the documentation to support the stated values in any of the areas, affected items will
not be considered verified and the loan will be subject to failing the ATR test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. ATR results will be reported as ATR-Pass. ATR-Fail and ATR-Exempt. This is in addition to existing credit
and compliance related reporting by the Consultant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**b.** **Qualified Mortgage** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Consultant's scope includes review of all available QM types:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Legacy QM (for applications taken on or after January 10, 2014 until September 30, 2022);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Revised QM (for applications taken on or after March 1, 2021);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Agency QM (for applications taken on or after January 10, 2014 until June 30, 2021);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Agency QM with APOR (for applications taken on or after July 1, 2021); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Government QM (for applications taken on or after January 10, 2014).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(2)** **Generally Applicable Factors** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. The following factors are reviewed for Legacy, Revised, and Agency QM categories:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. REGULAR PAYMENTS. Provides for regular periodic payments that are substantially equal, except for the
effect of certain interest rate changes for adjustable or step rates.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. TERM. Loan term does not exceed 30 years.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. POINTS AND FEES. Points and fees do not exceed the applicable threshold for the appropriate loan amount.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(3)** **QM Rules Points and Fees Testing** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Points and fees include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Finance charges, unless excluded;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The portion of upfront private mortgage insurance that exceeds FHA premiums;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Loan originator compensation – Compensation/YSP known at the time of the consummation will be
included but Consultant does not review lender or broker compensation programs as part of its QM testing;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Real estate-related fees if the creditor receives direct or indirect compensation in connection with
the fee or charge, the fee or charge is paid to a creditor affiliate or the fee or charge is not reasonable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Premiums for credit insurance, credit property insurance, and other insurances where the creditor is
the beneficiary, debt cancellation or suspension coverage payments;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Maximum prepayment penalty; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Prepayment penalty paid in a refinance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Points and fees exclude:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Interest;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Bona fide third-party charges not retained by the creditor;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Government mortgage insurance premiums;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Private mortgage insurance premiums up to an amount equal to government insurance premiums;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Up to two bona fide discount points if the interest before the discount does not exceed APOR by 1% based
on a calculation that is consistent with established industry practices for determining the amount of reduction in the interest rate or
time-price differential appropriate for the amount of discount points paid by the consumer; if no discount points excluded up to one bona
fide discount point if the loan's interest rate before the discount does not exceed APOR 2%; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Sellers points

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. A loan is a QM loan if the points and fees do not exceed (values marked with "\*" are indexed
for inflation):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 3 percent of the total loan amount for a loan greater than or equal to $100,000;\*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. $3,000\* for a loan greater than or equal to $60,000\* but less than $100,000;\*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. 5 percent of the total loan amount for a loan greater than or equal to $20,000\* but less than $60,000;\*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. $1,000\* for a loan greater than or equal to $12,500\* but less than $20,000;\*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. 8 percent of the total loan amount for a loan less than $12,500\*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(4)** **Legacy QM** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. In addition to the Generally Applicable Factors above, all Legacy QM loans must meet the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Monthly Payment. The amount of the monthly payment on the loan is calculated using the maximum rate
that may apply during the first five years and considers the monthly payment for simultaneous loans and mortgage obligations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Appendix Q. Considers and verifies income, assets, employment, and debts in accordance with Appendix
Q. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. DTI. The DTI ratio of total monthly debt to total monthly income does not exceed 43 percent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Verified. Only verified amounts will be included in the QM debt-to-income test - verified income and
assets, loan and simultaneous loan payments, insurance, taxes and HOA, alimony, child support and open debts. The calculated value will
be the verified debts divided by the verified income represented as a ratio, with amounts less than or equal to 43.00% passing, and anything
above 43.00% failing. Failing this test also results in returning an overall QM status of Fail.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(5)** **Revised QM** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. In addition to the Generally Applicable Factors above, all Revised QM loans must meet the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. **Monthly Payment.** The amount of the monthly payment on the loan is calculated using the maximum
rate that may apply during the first five years and considers the monthly payment for simultaneous loans and mortgage obligations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. **Consider and Verify.** The creditor must consider and verify, through reasonably reliable third-party
records, the consumer's current or reasonably expected income or assets other than the value of the dwelling (including any real
property attached to the dwelling) that secures the loan, debt obligations, alimony, child support, and debt-to-income ratio or residual
income.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. **Consider.** Consultant will not review the creditor's policies and procedures provided by
Client, or any exceptions thereto, for regulatory sufficiency. Creditors are required to maintain policies and procedures based on the
regulation requirements to take into account the underwriting factors enumerated above, and retain documentation, such as an underwriting
worksheet or a final automated underwriting system certification in combination with the creditor's
applicable underwriting standards and any applicable exceptions described in its policies and procedures , showing how the creditor
took these factors into account in its ability-to-repay determination. The review of the policies and procedures may be evaluated
as part of originator reviews performed by rating agencies or aggregators.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. **Verify**. Creditor must verify through r easonable methods and criteria supplied to Consultant. Consultant will review to the supplied methods and criteria, unless instructed otherwise as described below
for Verification Safe Harbor.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. **Verification Safe Harbor.** Creditor is deemed to have complied with the "verify" requirement
if it complies with the verification standards in one or more of these following agency manuals:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Chapters B3-3 through B3-6 of the Fannie Mae Single Family Selling Guide, published June 3, 2020;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Sections 5102 through 5500 of the Freddie Mac Single-Family Seller/Servicer Guide, published June 10,
2020;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Sections II.A.1 and II.A.4-5 of the Federal Housing Administration's Single-Family Housing Policy
Handbook, issued October 24, 2019;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Chapter 4 of the U.S. Department of Veterans Affairs' Lenders Handbook, revised February 22, 2019;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Chapter 4 of the U.S. Department of Agriculture's Field Office Handbook for the Direct Single
Family Housing Program, revised March 15, 2019; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Chapters 9 through 11 of the U.S. Department of Agriculture's Handbook for the Single-Family Guaranteed
Loan Program, revised March 19, 2020.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. For purposes of compliance with the requirement to verify through reasonably reliable third-party records,
a creditor need only comply with those provisions in the manuals that require creditors to verify income, assets, debt obligations, alimony
and child support using specified documents or to classify and count particular inflows, property, and obligations as income, assets,
debt obligations, alimony, and child support.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Revised versions of manuals. A creditor also complies with the verification requirement where it complies
with revised versions of the manuals listed above, provided that the two versions are "substantially similar." Consultant
will not be responsible for determining whether the revised versions of the manuals listed above are "substantially similar"
to the standards in the enumerated agency manuals.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. The Revised QM Rule permits the creditor to "mix and match" verification standards from
different agency manuals. Consultant will test the creditor's "verification" of third- party records in instances when
the creditor either uses (a) its own procedures or alternatively, (b) the verification standards of one or more of the agency handbooks
listed above.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. If the creditor (or client, as the case may be) intends to use the verification safe harbor indicator,
it must provide the verification safe harbor indicator and elect a determination method in the "SFA Approach to TPR Reviews for
Verification Safe Harbor under General QM Rule" as published by the Structured Finance Association, November 2011, or thereafter
updated and republished. .

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Note: due to the inherent subjectivity of the foregoing "consider" and "verify"
requirements, Consultant will review the creditor's (or client's, as the case may be) (i) policies and procedures and worksheets
and (ii) methods and criteria for verification of income and assets (regardless of whether the "safe harbor" is utilized)
for content only, and will not opine whether such policies and procedures, worksheets and verification methods and criteria themselves
comply with applicable law, and cannot guarantee that a court, governmental regulator, rating agency or another third party diligence
provider would reach the same conclusions using such work product.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. APR-APOR Spread and Loan Thresholds.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. The APR on the loan does not exceed APOR for a comparable transaction as of the date the interest rate
is set the following loan amount thresholds (values marked with "\*" are indexed for inflation):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. For a first-lien loan with a loan amount greater than or equal to '$110,260,\* 2.25 or more percentage
points;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. For a first-lien loan with a loan amount greater than or equal to $66,156\* but less than $110,260\*,
3.5 or more percentage points;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. For a subordinate-lien loan with a loan amount greater than or equal to $66,156\*, 3.5 or more percentage
points;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. **Short Term ARMs.** The APR used on short term ARMs of five years or less uses the maximum rate
in the first five years for the entire term of the loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**iv.** **ATR Presumptions for Revised QM Rules** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Safe Harbor. For first-lien transactions, a loan receives a conclusive presumption that the consumer
had the ability to repay (and hence receives the "safe harbor" presumption of QM compliance) if the APR does not exceed the
APOR for a comparable transaction by 1.5 percentage points or more as of the date the interest rate is set.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Higher Priced. A first-lien loan receives a rebuttable presumption that the consumer had the ability
to repay if the APR exceeds the APOR for a comparable transaction by 1.5 percentage points or more but by less than 2.25 percentage points.
There are higher thresholds for loans with smaller loan amounts, for subordinate-lien transactions, and for certain manufactured housing
loans—all of which will be tested by Consultant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(6)** **Agency QM/ Temporary Qualified Mortgage (TQM) covered by the GSE Patch** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. In addition to the Generally Applicable Factors above, all Agency QM loans must be eligible for sale
to Fannie Mae or Freddie Mac. The selling guides for the agencies include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. LTV / CLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. DTI – using the same calculation guidelines as QM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Credit Score

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Maximum Loan Amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Maximum Cash Out

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Disposable Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(7) **Agency QM with APOR/ General Qualified Mortgage (QM) testing.** Meets the test for "Agency
QM" and the APOR test applicable for Revised QM.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(8)** **Government QM/ General Qualified Mortgage (QM) Testing** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. A Government QM is defined as a qualified mortgage by the U.S. Department of Housing and Urban Development
under 24 CFR 201.7 and 24 CFR 203.19, the U.S. Department of Veterans Affairs under 38 CFR 36.4300 and 38 CFR 36.4500, or the U.S. Department
of Agriculture under 7 CFR 3555.109. The guidelines include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. LTV / CLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. DTI – using the same calculation guidelines as QM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Credit Score

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Maximum Loan Amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Maximum Cash Out

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Disposable Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(9)** **QM/ATR Reporting (Covers both Legacy and Revised QM Rules as Applicable)** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. For QM/TQM testing, the results of the debt-to-income test (Legacy QM), APR-APOR spread test (Revised
QM), or guideline review (TQM) and the Points and Fees test will result in the following available compliance conditions as requested
by the rating agencies:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• QM/TQM-ATR Pass / Non-HPML [QM or TQM – Pass / HPML – No]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• QM/TQM-ATR Pass / HPML [QM or TQM – Pass / HPML – Yes]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• ATR Fail / Non-HPML [QM or TQM – Fail / HPML – No]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• ATR Fail / HPML [QM or TQM - Fail / HPML – Yes]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• NonQM / Compliant [NonQM or TQM Loan, Exempt / ATR – Compliant]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• NonQM / Noncompliant [NonQM or TQM Loan, Exempt / ATR –Noncompliant]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Not Covered – / Exempt [QM or TQM – Exempt / ATR – Exempt]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. For Revised QM Rules testing, the following results will be provided to establish Verified Safe Harbor
designation:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• VSH Confirmed [Verified Safe Harbor]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• NVSH Confirmed [Not Verified Safe Harbor]

As with ATR testing, these QM results are in addition to the existing credit and compliance related reporting currently performed by Consultant. Customized reporting is available based on mutual agreement on individual Customer needs.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(10)** **Legacy and Revised QM Rules** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Current testing for Higher Priced Covered Transactions will be performed using one of two formulas,
normal QM and FHA TQM. For QM, a loan will be considered a Higher Priced Covered Transaction if the APR exceeds the Average Prime Offer
Rate by 1.50% or more percentage points on conforming First Liens and 3.50% or more percentage points on Second Liens. For FHA TQM, the
formula is modified to be the Average Prime Offer Rate plus 1.15%, plus the monthly MI premium factor.<br>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**h)** **Regulatory Compliance Disclaimer<br>** 

<br> Please be advised that Consultant will not make a determination as to whether loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated herein. There can be no assurance that the review uncovered all issues relating to the origination of the mortgage loans, their compliance with applicable law and regulation and the original appraisals relating of the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Consultant are dependent upon its receiving complete and accurate data regarding the mortgage loans from loans originators and other third parties upon which Consultant is relying in reaching such findings.<br>

Please be further advised that Consultant does not employ personnel who are licensed to practice law in various jurisdictions, and the findings set forth in the reports prepared by Consultant do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Consultant. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including potential liability related to the purchase or other transaction involving any such loans, shall be made solely by the Client, or other agreed upon party, that has engaged Consultant to prepare its reports pursuant to its instructions and guidelines. Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Consultant are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**i)** **Seasoning And Certain Compliance Exceptions<br>** 

<br> Pursuant to the applicable NRSRO criteria, Consultant graded certain compliance exceptions as non-material based on seasoning of the mortgage loan. Certain mortgage loans were seasoned beyond the applicable period under TILA in which affirmative claims could be brought by a consumer. The time period is not limited for claims, other than recession, which are raised as a defense to foreclosure. Information contained in any Consultant reports related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual loan.

**TRID**

1) TILA RESPA Integrated Disclosure Statement of Work<br>

**Eligibility**

The following criteria are used in determining whether TRID applies:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The
Application Date is October 3, 2015, or later (the earlier of the date the broker or lender received the borrower's application).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The
Loan Purpose and Property Type includes a closed-end mortgage secured by real estate:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Purchase

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Refinance (Cash Out or Rate Term)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Construction and Construction to Permanent Financing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o SFR, 1-4 Unit, PUD, Condo and Coops (Coop may be excluded based on Client instructions)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The
Loan Purpose and Property Type does not include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o HELOCs

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Reverse mortgages

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Dwellings that are not attached to real property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Mobile homes, where the consumer does not own the land,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• For
purposes of determination of Occupancy, TRID applies to loans for owner occupied, second home and vacant land.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Opus
will apply the standard exemptions from TILA, i.e., business purposes loans, loans for agricultural purposes and loans secured by five
(5) or more units.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Please be aware that TILA contains a TRID-specific exemption for certain subordinate lien loans for the purposes of various types of assistance programs such as down payment or closing cost, property rehabilitation, energy efficiency or foreclosure avoidance or prevention. Opus will not test such loans for TRID compliance.<br>

**Loan Estimate (″LE″)**

&nbsp;&nbsp;&nbsp;&nbsp;1. Initial LE

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Verification
of compliance with timing requirements as to whether the Initial LE was delivered within three (3) business days from the Application
Date. The Initial LE shall use the delivery date to calculate the earliest closing Consummation Date (no less than seven (7) business
days from the delivery of the Initial LE). The delivery date is the date the creditor hand delivers the disclosures or places the disclosures
in the mail, 1026.19(e)(1)(b) If the LE does not contain a signature line for the consumer's confirmation of receipt, then Opus
will look for the "Loan Acceptance" statement under "Other Considerations" or other client-documented acknowledgement
and borrower intent to proceed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Verification
that the correct form is used and all sections of the Initial LE are completed (no blanks, "NA's" or incomplete sections)
and the Initial LE is accurate as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Verification
of the technical formatting of the LE is NOT included in the standard review. The formatting of the document is the responsibility of
the document preparation source.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• General
loan information and loan terms sections completed and formatting is accurate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Verify loan term, purpose, and product descriptions follow the prescribed format.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify all applicants applying for credit, as disclosed on the application, are listed on the LE

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• "Can
this amount increase after closing?" and "Does the loan have these features" sections are completed and are accurate
based on the terms disclosed on the LE.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• If
rate is locked, were lock expiration date, time and time zone disclosed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Settlement
charges good through date, time and time zone disclosed with minimum of 10 days during which borrower is permitted to shop knowing fees
are locked during that timeframe.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Projected
Payments and Estimated Taxes, Insurance & Assessments sections are complete and accurate based on the loan terms and information
known at the time of disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The
Closing Costs and Cash-to-Close sections are complete and accurate based on the information provided on page 2 of the LE.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Fees
disclosed properly (alphabetical order within Section with certain exceptions, and all title fees start with ″Title – ″)
in Closing Cost Details section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• It
is recommended that an Itemization of Fees is provided for any fees disclosed as "Aggregate". It is quite difficult to determine
if the fees are disclosed properly without this information.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Any
addenda found in file listing ADDITIONAL fees for sections other than Section C

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• If
Interest Only Payments, Optional Payments, Step Payments, or Seasonal Payments, is Adjustable Payment (″AP″) Table disclosed
and accurate based on early disclosures in the file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• If
ARM or Step Rate, is Adjustable Interest Rate (″AIR″) Table disclosed and accurate based on the early disclosures in the
file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The
Comparison section is complete and accurate as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• In
5 Years calculations for Total of Payments (TOP) and Total Principal Paid are accurate based on the terms and fees disclosed on page
1 and 2 of the LE.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• APR
is accurate within tolerance based on the terms disclosed on the LE

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Total
interest Percentage (TIP) is accurate based on the loan terms disclosed on the LE.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Rounding
rules verified as per 1026.37(o)(4).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Other
Considerations Section is complete<br>

&nbsp;&nbsp;&nbsp;&nbsp;2. Revised LEs

If there has been a revision to the LE, validate that the Revised LE is provided within three (3) days of COC, BRC or interest rate lock. Review as necessary for sufficient information to establish one of the six (6) valid reasons to reset tolerance fees set forth in TRID:

○ Changed Circumstance affecting settlement charges

○ Change Circumstance affecting eligibility

○ Revisions requested by the consumer

○ Interest rate dependent charges

○ Expiration of the LE and

○ Delayed settlement date on a construction loan

○ Timing Requirement for LE 7 days prior to consummation<br>

&nbsp;&nbsp;&nbsp;&nbsp;3. Determination of Final Binding LE

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Review
and analyze each LE in file to determine final Binding LE. If there is a change in loan terms, change in interest rate or increase in
charges subject to variances without valid reason for a Revised LE as set forth above, findings will be cited. If a Revised LE was issued
without a valid reason, the previous valid LE would be considered the Binding LE for the purposes of comparison with the Closing Disclosure.
[Also see Variance Tests and Closing Disclosure for COC/BRC events disclosed after issuance of Initial CD]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Verification
of compliance with timing requirements that there have been no loan estimates provided to the borrower after a Closing Disclosure has
been delivered, and whether the Final LE was provided at least four (4) business days prior to the closing Consummation Date.

If the LE does not contain a signature line for the consumer's confirmation of receipt, then Opus will look for the "Loan Acceptance" statement under "Other Considerations" or other client-documented acknowledgement and borrower intent to proceed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Verification
that the correct form is used and all sections of the Initial LE are completed (no blanks, "NA's" or incomplete sections)
and the Initial LE is accurate as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Verification
of the technical formatting of the LE is NOT included in the standard review. The formatting of the document is the responsibility of
the document preparation source.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• General
loan information and loan terms sections completed and formatting is accurate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Verify
loan term, purpose, and product descriptions follow the prescribed format.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Verify
all applicants applying for credit, as disclosed on the application, are listed on the LE

"Can this amount increase after closing?" and "Does the loan have these features" sections are completed and are accurate based on the terms disclosed on the LE.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• If
rate is locked, were lock expiration date, time and time zone disclosed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Settlement
charges good through date, time and time zone disclosed with minimum of 10 days during which borrower is permitted to shop knowing fees
are locked during that timeframe.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Projected
Payments and Estimated Taxes, Insurance & Assessments sections are complete and accurate based on the loan terms and information
known at the time of disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The
Closing Costs and Cash-to-Close sections are complete and accurate based on the information provided on page 2 of the LE.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Fees
disclosed properly (alphabetical order within Section with certain exceptions, and all title fees start with ″Title – ″)
in Closing Cost Details section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• It
is recommended that an Itemization of Fees is provided for any fees disclosed as "Aggregate". It is quite difficult to determine
if the fees are disclosed properly without this information

Any addenda found in file listing ADDITIONAL fees for sections other than Section C

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• If
Interest Only Payments, Optional Payments, Step Payments, or Seasonal Payments, is Adjustable Payment (″AP″) Table disclosed
and accurate based on early disclosures in the file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• If
ARM or Step Rate, is Adjustable Interest Rate (″AIR″) Table disclosed and accurate based on the early disclosures in the
file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The
Comparison section is complete.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Rounding
rules verified as per 1026.37(o)(4).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Other
Considerations Section is complete

&nbsp;&nbsp;&nbsp;&nbsp;4. Written List of Providers ("WLSP")

If the lender places fees in the Services You Can Shop For category, verify that the file contains a Written List of Providers provided to the borrower within three (3) business days of application. The WLSP must include at least one available provider for each service and state the consumer may choose a different provider for that service. If a written list of service providers is not provided, the fees will be treated as a 10% Tolerance fee but a finding for missing service provider list will be noted. If a written list of service providers is provided outside of three (3) days of the application date, the fees will be treated as a 10% Tolerance fee but a finding for a service provider list being provided outside of three (3) days from application will be noted.

&nbsp;&nbsp;&nbsp;&nbsp;5. Variance tests

Utilize one (1) of the following Variance Categories in performing variance tests:

**Zero Tolerance/Variance\*** - A finding will be cited if any charges increase from the Binding LE to the Final CD without COC or BRC. Such increases include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Fees
paid to the lender, broker or an affiliate of either lender or broker [fees paid to an affiliate of the lender for services NOT required
by the creditor are not subject to tolerance/variance per CFR 1026.19(e)(3)(iii)(E)];

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Fees
paid to an unaffiliated third party if the lender did not permit the borrower to shop for servicer; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Transfer
taxes.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Lender
Credits

Any fees that increase on the CD and are paid at closing by someone other than the borrower (e.g. seller or other third party) should be treated as borrower-paid for purposes of the tolerance calculations in 12 CFR § 1026.19(e)(3)(i) – (iii). For example, if a $500 appraisal fee (for which the borrower could not shop) was disclosed on the LE as paid by the borrower or in part by the seller, and the fee subsequently increases to $750 on the CD, the $250 increase must be considered, and a tolerance refund of $250 will be due to the borrower unless the increase had been re-disclosed subject to a valid changed circumstance. However, if a fee is not disclosed on the LE, or only the portion that is borrower-paid is disclosed on the LE, there is no tolerance violation (a) if there is evidence in the file to show that the fee was intended to be paid by the seller in full or in part (e.g. fee is addressed in the purchase contract and the amount to be paid by the seller on the CD corresponds with the contract) or (b) if the fee is known to be a fee that is the responsibility of the seller (i.e. a transfer tax in which local law/regulation provides that the seller is responsible for the fee). Fees paid by the lender should be reviewed for compliance with 12 CFR § 1026.19(e)(3)(i) (i.e. fees that increase and are subject to an increased lender credit do not constitute a violation, but a decreased lender credit that was not re-disclosed subject to a valid changed circumstance is a violation and will require a refund).

**10% Tolerance/Variance\*** – A finding will be cited if the aggregate of the charges increase by more than 10% from the Binding LE to the Final CD without COC or BRC. If a fee/service is listed on the LE but not charged/reflected on the Final CD, the fee will be removed and not considered in calculating the 10% variance threshold pursuant to Comment 19(e)(3)(ii)-5. Such increases include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Recording
fees; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Charges
for third party services not paid to creditor or affiliate AND borrower permitted to shop for service but selects a provider on the creditor's
Written List of Service Providers.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Prepaid
mortgage insurance will be treated as a 10% tolerance fee if it can be shopped for (and not identified as an affiliate), otherwise it
will be treated as a zero tolerance fee.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Client
considers seller-paid fees or fees paid by third-parties as borrower-paid for the purposes of tolerance calculations in 12 CFR §1026.19(e)(3)(i)
– (iii) as detailed in section (5) Variance tests (v)

No Tolerance/Unlimited – No finding will be cited if any of the charges change from the Binding LE to the Final CD, provided that the disclosed amount on the LE is based on information reasonably known to the creditor at the time of disclosure (disclosed in good faith), such as:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Prepaid
interest;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Property
insurance premiums;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Impounds/Escrows;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Charges
for services required by the creditor but the borrower is permitted to shop for and borrower selects a third party provider not on the
lender's Written Service Provider List; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Charges
for third party services NOT required by the creditor (even if paid to an affiliate of the creditor).

**Notes of interest for "No Tolerance/Unlimited":** No finding will be cited if any of the charges change from the Binding LE to the Final CD, provided that the disclosed amount on the LE is based on information reasonably known to the creditor at the time of the disclosure (disclosed in good faith),

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Prepaid
property taxes charged by local and state governments periodically will have no tolerance under the general 'best information reasonably
available' standard unless otherwise instructed by the Client.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• As
noted above, Opus will review the loan file for evidence the disclosure was not made in "Good Faith". "Good faith"
means the creditor made the estimate based on the information reasonably available to them at the time the LE was provided. Absent such
evidence, Opus will consider the disclosures made in "good faith". Two examples where a disclosure would be considered not
made in "good faith" and a finding cited are:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. The creditor requires homeowner's insurance but fails to include a homeowner's insurance
premium; a finding will be added that the LE was not issued in good faith.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. The creditor knows the loan must close on the 15th of the month but estimates prepaid interest to be
paid from the 30th of that month, a finding will be added that the LE was not issued in good faith.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Review
for documentation itemizing fees from the Binding LE to determine unrounded amounts of fees to use for performing tolerance testing only
if a tolerance violation occurs. If no fee itemization is found, tolerance testing will be performed based on the information in the
disclosures and a tolerance violation will be noted if applicable. Utilize fee information from closing instructions or a vendor compliance
report, if the file contains the referenced support documentation.

Additionally, if a documented valid COC or BRC occurs resulting in a change to loan terms, settlement charges or interest rate within four (4) business days of consummation, the variance test will be performed based on the revised amounts disclosed on the initial CD (or subsequent CD if change occurs after initial CD has been provided) provided that the change is related to the COC or BRC.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• For
loans with no Interim LE and no COC or BRC occurring four (4) days prior to consummation, fees and charges on the CD are tested for compliance
with permitted variances against fees disclosed on Initial LE.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• For
loans with an Interim LE, the following procedures will be applied:

○ Review of each Interim LE and fees and charges on the CD are tested for compliance with variance thresholds against fees supported by a valid COC or BRC related to the charge that increases

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• In
cases where an Interim LE is issued with several fee increases, but only some are supported by or related to a valid COC or BRC, those
fees which are not supported by or related to a valid COC, BRC or disclosed on an LE that was not provided timely (within three (3) business
days of changed circumstance) will be tested for variance using the amounts disclosed in the Initial LE previously valid LE.<br>

**Closing disclosure (″CD″)**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Opus
will conduct a general CD review and verify the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Recommendation:
Closing Disclosure provided at closing be marked "Final." Although this is not a requirement, marking the Closing Disclosure
as Final will ensure a timely review.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• That
the correct form is used and all sections of the CD are completed (no blanks or incomplete sections).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Acknowledgement
of receipt by all borrowers with a right to rescind under 1026.23 by verifying that each borrower with a right to rescind was provided
with a copy of the CD. This could include the non-borrowing spouse. Acknowledgement is based on lender guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• If
the CD does not contain a signature line for the consumer's signature, Opus will look for the required alternative statement in
"Other Disclosures" with the heading of "Loan Acceptance". While not required, Opus highly recommends that the
client require the CD to be signed and dated by the consumer as it will ensure a timely review.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• If
a subsequent CD is issued having changes to (a) the loan product which affects disclosed terms and loan information; (b) the addition
of a prepayment penalty; or (c) an APR which exceeds the previously disclosed APR by more than 1/8 or ¼ of one percent on regular
or irregular transactions, as the case may be for accuracy. Consultant will test that the borrower was given an additional three (3)-business
day waiting period from the date of final pre-close CD with (a) the final loan product; (b) the prepayment penalty addition; or (c) the
APR, and that the final pre-close CD has been received by borrower by consummation. APR reductions beyond these tolerances require the
additional 3 day waiting period unless the overstated APR was based on an overestimated finance charge.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• On
the interim and final pre-close CDs the following checks and limitations apply:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Verification
of the technical formatting of the CD is out of scope in the standard review. The formatting of the document is the responsibility of
the document preparation source.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Closing,
Transaction and Loan Information sections have been completed with accurate information.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Loan
terms sections are completed.

○ Opus will verify loan term, purpose, and product descriptions follow the prescribed format.

○ Opus will verify all applicants applying for credit, as disclosed on the application, are listed on the LE

"Can this amount increase after closing?" and "Does the loan have these features" sections are completed accurately.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Projected
Payments and Estimated Taxes, Insurance & Assessments sections are completed accurately.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Fees
have been disclosed properly (alphabetically, correct buckets and all title fees start with ″Title – ″) in Closing
Cost Details section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Any
addenda found in file listing ADDITIONAL fees for sections other than Section C (Services You Can Shop For) is completed properly.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Calculating
Cash to Close table completed accurately.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Summaries
of Transaction section completed accurately

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Loan
Disclosures section complete:

○ CD Assumption, Demand Feature, Negative Amortization, and Partial Payments sections completed properly (at least and only one box selected).

○ Late Payment completed properly (terms disclosed and accurate per note).

○ Escrow Amount section completed properly (only one box selected and amounts disclosed).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Escrow
Property Costs over Year 1 to be calculated per the payments scheduled to be made in a 1 year period after consummation (1026.38)(I)(7)(i)(A)(1).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Non-Escrowed
Property Costs over 1 Year to be calculated using either 11 or 12 months as determined by client. (1026.38)(I)(7)(i)(B)(1)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• If
Interest Only, Optional Payments, Step Payments, or Seasonal Payments, is Adjustable Payment (″AP″) Table disclosed accurately.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• If
ARM or Step, is Adjustable Interest Rate (″AIR″) Table disclosed accurately.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Loan
Calculations section complete and accurate.

○ Total of Payments is accurate per 1026.38(o)(1).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Include
fees in section A, B, and C that are paid by the borrower as well as the seller or other if those fees are customarily paid by the borrower.

○ Capture amounts disclosed in Loan Calculations section and test for TILA tolerance violations on disclosed APR and Finance Charge.

○ Total Interest Percentage (TIP) accurate with proper rounding.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Other
Disclosures section complete with at least one choice selected as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Review
for the creditor's selection of one of the two options in the Liability After Foreclosure section, but will not make an independent
judgment whether or not the selection is correct for the property state. Only issue a condition if either no selection is made or if
both selections are made.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Contact
Information section is complete with information from each party of the transaction provided as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Rounding
rules verified as per 1026.38(t)(4). Rounding on all percentages except APR is percentages should be truncated so that a zero is not
disclosed in the last decimal place (7.250 should be rounded to 7.25).<br>

**TRID Method of Receipt Of LE And CD**

Determine the method of receipt of the revised LE and CD and perform a compliance test with timing requirements. For purposes of the review and verification, the date the borrower is deemed to have received the disclosure(s) is based on any of the following methods:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• In
Person: borrower signature date is used.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Electronic\*
- No Receipt Confirmation in File: three (3) business days from later of document issue date or proof of e-delivery date is used.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Electronic\*
- With Receipt Confirmation in File, date of receipt confirmation is used.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Electronic\*
- Delivery confirmation of an email, assuming the borrower(s) have consented to electronic delivery.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Mail
(USPS or other parcel delivery service) – No Receipt Confirmation in File: three (3) business days from later of document issue
date or proof of mailing date is used. Delivery confirmation, i.e., confirmation that documents have been delivered to the borrower(s)
door. Signature receipt by anyone other than the borrower(s) to the mortgage transaction constitutes evidence of delivery, not receipt,
for the purposes of the receipt requirements.

Mail (USPS or other parcel delivery service) – With Receipt Confirmation in File: date of receipt confirmation is used. Delivery confirmation, i.e., confirmation that documents have been delivered to the borrower(s) door. Signature receipt by anyone other than the borrower(s) to the mortgage transaction constitutes evidence of delivery, not receipt, for the purposes of the receipt requirements. Unknown (unable to determine delivery method or unable to verify borrower received disclosures in any other method than by USPS Mail method): follow the USPS Mail delivery method of three (3) business days from the document issue date. As noted above, a signature by anyone other than the borrower(s) constitutes evidence of delivery and the method of receipt will be considered unknown, requiring an additional three (3) days from the date the non-borrower received the documents.<br>

\*NOTE: If disclosures are sent electronically, a finding will be cited if there is no evidence in the file that the borrower consented to receive disclosures electronically. Default to the three (3) business day mail rule for delivery without the proper documentation of borrower consent.

**Other Recommended TRID Compliance Tests**

Apply the following additional compliance tests which were included in the recommended review scope resulting from the 2015 CFPB Amendments:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Use
of TRID forms prior to TRID effective date: a finding will be cited if the new TRID forms are utilized on a loan with an application
received prior to the October 3, 2015 effective date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Use
of TRID forms on loans not covered by TRID: a finding will be cited if the new TRID forms are utilized on loans not covered by TRID (i.e.,
HELOC, i.e. reverse mortgages, i.e. Chattel Dwelling loans (loans on mobile homes that are not also secured by the underlying real property
or loans on houseboats).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Your
Home Loan Toolkit: a finding will be cited if the new Your Home Loan Toolkit Disclosure or evidence the disclosure was delivered or placed
in the mail is not in the file or was not provided to the borrower within three (3) business days of application.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Consummation
Date: Consummation varies by applicable state law and the term is not often clearly defined. Accordingly, generally use the notary date.
If there are multiple borrowers and they do not all sign the documents on the same day, then use the latest signature date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Post-Consummation
Disclosures: TRID review scope will not include testing for compliance with the following post-consummation disclosures under TRID:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Escrow Closing Notice; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Mortgage servicing transfer and partial payment notices.<br>

**Subsequent Changes After Consummation**

The following prescribed cures as set forth in section 1026.19 (f)(2)(iii) through (v) are acceptable for changes and corrections to the Final CD after consummation.

1026.19(f)(2)(iii) – Changes due to events occurring after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• If
within 30 days of consummation, an event in connection with the settlement of the transaction occurs that causes the final CD to become
inaccurate and such inaccuracy results in a change to an amount actually paid by the borrower(s) from the amount disclosed, test for
evidence that a new, corrected CD is delivered or placed in the mail to the borrower within thirty (30) days of receiving information
that an event occurred.

1026.19(f)(2)(iv) – Changes due to clerical errors.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Non-numeric
clerical errors, for the purpose of this scope document are any error not related to a disclosed dollar amount or percentage. Test for
evidence a new, corrected CD is delivered or placed in the mail to the borrower within sixty (60) calendar days of consummation. Examples
of non-numeric clerical errors include but are not limited to:

○ Corrections to the closing information section.

○ Corrections to the transaction information section.

○ Corrections to loan id # or MIC #.

○ Corrections to non-numeric identifiers in the Estimated Taxes, Insurance & Assessments section.

○ Corrections to the fee labels and/or order of fees.

○ Corrections to the location of the fee(s).

○ Corrections to missing cure language.

○ Corrections to the "Did This Change" section of Calculating Cash to Close.

○ Corrections to the Loan Disclosures section

○ Corrections to non-numeric items in the Escrow Account section.

○ Corrections to the Other Disclosures section.

○ Corrections to the Contact Information section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• 1026.19(f)(2)(v)
– Refunds related to the good faith analysis.

○ Test for evidence such as a copy of the refund check, a new corrected CD, and evidence the creditor delivered or placed in the mail to the borrower within sixty (60) calendar days of consummation.<br>

A post-consummation CD is understood to be a re-issued CD with a Date Issued represented as the date the post-consummation CD was issued. Corrections to the final pre-close CD should not be accepted as a post-consummation CD noted in the prescribed cures above.<br>

Errors on LE's and Interim CD's and numeric errors on final CD's do not have prescribed cures as per the regulation and therefore will not be reported as having been cured. The assessment of risk and decision to accept a finding that does not have a prescribed cure is the responsibility of the purchaser of the loan.

**Additional Disclosures and Requirements:<br>** 

<br> Consultant will confirm compliance with current documentation and timing requirements in effect at origination of the Mortgage Loan including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Servicing Transfer Disclosure (for applications prior to
10/03/2015):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Servicing Transfer Disclosure form in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Verify the Servicing Transfer Disclosure was provided to the borrower(s) within three general business
days of "Application"

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Special Information Booklet (for applications prior to 10/03/2015)/
Home Loan Tool Kit (for applications on or after 10/03/2015):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Home Loan Tool Kit is in file for covered loans.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Home Loan Tool Kit is provided within three general business days of application

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Affiliated Business Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Affiliated Business Disclosure in file in the event the lender has affiliated
business arrangements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Affiliated Business Disclosure provided within three general business days of "Application"
(Consultant reviews for this disclosure to be provided within three general business days, as the lender will typically know at the time
of application if borrower(s) will be referred to affiliates for provision of third party services)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Affiliated Business Disclosure is executed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Initial Escrow Disclosure Statement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Initial Escrow Disclosure Statement in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Initial Escrow Disclosure Statement was provided at closing or within 45 days after settlement

**Equal Credit Opportunity Act (Regulation B)**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Confirm
the lender has provided the borrower a disclosure of the right to receive a copy of appraisals within three (3) business days of application.
This disclosure requirement may be met by disclosure on the Loan Estimate pursuant to 12 CFR § 1026.27(m)(1).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Confirm
that the lender has provided (delivered) copies of appraisals and all other written valuations (as disclosed to the borrower on the HUD-1
and/or contained in the Mortgage Loan File) to the borrower at least three (3) business days prior to consummation Opus uses the following
test: Was appraisal/valuation documentation processed at least 6 days prior to account opening/ consummation date (3 day rule plus 3
days mailing time)?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• For
a borrower that has waived the 3-business day disclosure requirement, confirm that the borrower has either (1) signed the waiver at least
three (3) business days prior to consummation or (2) has signed an acknowledgment that the waiver occurred at least three (3) business
days prior to consummation. Additionally, confirm that the lender has provided copies of appraisals and other written valuations at or
prior to consummation.

**Fair Credit Report Act (Regulation V)**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Confirm
that the lender has provided the borrower the risk-based pricing notice (as required by 12 CFR § 1022.73) or credit score disclosure
(as required by 12 CFR § 1022.74(d)), as applicable; (a) If the lender has provided the risk-based pricing notice, confirm the disclosure
was provided before consummation, but not earlier than the approval decision was communicated to the consumer; and (b) If the lender
has provided the credit score disclosure, confirm the disclosure was provided before consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Confirm
that the lender has provided a copy of the disclosure of credit score and the Notice to Home Loan Applicant (as required by 15 U.S.C.
§ 1681g) before consummation.

**High-Cost, State & Local Anti-Predatory Regulations<br>** 

<br> In addition to federal thresholds, Consultant will review the anti-predatory lending statutes in the following states and local municipalities, as applicable, as well as any additional applicable regulations implemented during the Term of this SOW.<br>

&nbsp;&nbsp;&nbsp;&nbsp;· Arkansas Home Loan Protection Act, Ark. Stat. Ann. §
23-53-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· California Anti-Predatory Lending Statute, Cal. Fin. Code
§ 4970 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· California Higher-Priced Mortgage Loan Statute, Cal. Fin.
Code §4995 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Colorado Consumer Equity Protection Act,
Colo, Rev. Stat. § 5-3.5-101 et seq. .

&nbsp;&nbsp;&nbsp;&nbsp;· Connecticut Abusive Home Loan Lending Practices Act, Conn.
Stat. Ann. §36a- 746 et seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Connecticut Nonprime Home Loans Statute, Conn. Gen. Stat.
§§ 36a-760 et seq. (as originally enacted and as amended by Senate Bill 949).

&nbsp;&nbsp;&nbsp;&nbsp;· District of Columbia Home Loan Protection Act, D.C. Official
Code § 26-1151.01 et seq., as implemented by 20 D.C. Municipal Reg § 2000.1 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Florida Fair Lending Act, Fla. Stat. Ann. § 494.0078
et seq. (for loans closed before July 1, 2014).

&nbsp;&nbsp;&nbsp;&nbsp;· Georgia
Fair Lending Act, Ga. Stat. Ann. § 7-6A-1 et seq. (as originally enacted by House Bill 02-1361 and as modified by Senate Bill 03-53).

&nbsp;&nbsp;&nbsp;&nbsp;· Idaho Residential Mortgage Practices Act, Idaho Code §
26-3101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Illinois High Risk Home Loan Regulations, 38 Ill. Admin.
Code §345.10 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003)
codified at 815, ILCS §§ 137/5 et seq., and as amended by SB 1692 (2012), effective January 10, 2014.

&nbsp;&nbsp;&nbsp;&nbsp;· Illinois Predatory Lending Database Program, Public Act
95-0691 (SB 1167).

&nbsp;&nbsp;&nbsp;&nbsp;· City of Chicago, Illinois, Anti-Predatory Lending Ordinance,
Chicago Municipal Code, §§ 2-32-440; 2-32-455; 2-92-325; 4-4-155; 8-4-325.

&nbsp;&nbsp;&nbsp;&nbsp;· Cook County, Illinois, Anti-Predatory Lending Ordinance,
Cook County Code of Ordinances § 34-341.

&nbsp;&nbsp;&nbsp;&nbsp;· Cook County, Illinois, Anti-Predatory Lending Pilot Program,
Illinois House Bill 4050 (2005).

&nbsp;&nbsp;&nbsp;&nbsp;· Indiana
Home Loan Practices Act, as amended by HB 1179 (2005), Ind. Code §24-9-1 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Section 16a-3-308a of the Kansas Consumer Credit Code, Kan.
Stat. Ann. §16a.101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Kentucky Anti-Predatory Lending Statute, Ky. Rev. Stat.
§ 360.100 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Maine, An Act to Enhance Consumer Protections in Relation
to Certain Mortgages (for loans closed prior to September 27, 2011), Me. Rev. Stat. Ann. Tit. 9-A, §§ 8-103(1); 8-206(8);8-206A,
as amended by Legislative Documents 1869 (2007), 2125 (2008) and 1439 (2009).

&nbsp;&nbsp;&nbsp;&nbsp;· Maine Consumer Credit Code - Truth-in-Lending, (for loans
closed on or after September 27, 2011), Me. Rev. Stat. Ann. tit. 9-A, §§ 8-501 et seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Maryland Commercial Law, Md. Code Ann., Com. Law §§
12-124.1; 12-127; 12- 409.1; 12-1029.

&nbsp;&nbsp;&nbsp;&nbsp;· Maryland
Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage Lender Law, Md. Code Ann., Fin. Instit. Code
§§ 11-501 et seq.; Md. Code Regs. §§ 09.03.06.01 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts High-Cost Mortgage Regulations, 209 CMR Parts
32 and 40, as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Predatory Home Loan Practices Act, M.G.L.
Chapter 183C, §§ 1 et

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts "Borrower's Interest" Standard,
M.G.L. Chapter 183, §28C.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Mortgage Lender and Broker Regulations, 940
CMR §800 (15-17).

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Regulations for Higher Priced Mortgage Loans,
209 CMR §§ 32.00 et.seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Subprime ARMs to First Time Homebuyers, M.G.L.
Chapter 184, §17B.5.

&nbsp;&nbsp;&nbsp;&nbsp;· Michigan Consumer Mortgage Protection Act,
Mich. Stat. Ann. § 445-1631 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Minnesota Mortgage Originator and Service Licensing Act,
§ 58.137 et seq. (S.F. 2988 (2002)), as amended by House File 1004 (2007) and Senate File 988 (2007).

&nbsp;&nbsp;&nbsp;&nbsp;· Nebraska Mortgage Bankers Registration and Licensing Act,
Neb. Stat § 45-702 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Nevada Anti-Predatory Lending Law, Assembly Bill No. 284
(2003) and Amended by Assembly Bill No. 440 (2007), codified as NRS § 598D.010 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· New Jersey Home Ownership Security Act of 2002, NJ
 Stat. Ann. § C:46:10B-22 et seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· New Mexico Home Loan Protection Act, Senate Bill 449 (Regular
Session 2003), codified at NM Rev. Stat. § 58-21A-1 et seq. and as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· New York High-Cost Home Loan Regulations, 3 NYCCR Part 41
(2001).

&nbsp;&nbsp;&nbsp;&nbsp;· New York High-Cost Home Loan
Act, N.Y. Bank. L. Ch. 626., as codified in NY Bank. Law § 6-l, and as implemented by 3 NYCCR Part 41 as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· New York Subprime Home Loans Statute, NY Bank. Law §
6-m.

&nbsp;&nbsp;&nbsp;&nbsp;· North Carolina Anti-Predatory Lending Law, N.C. Gen. Stat.
§§ 24-1.1A to 24- 10.2 and North Carolina Amendments to Anti-Predatory Lending Law, N.C. Gen. Stat. §§ 24-9; 24-1.1(E)(a);
24-10.2(a), as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Ohio Anti-Predatory Lending Statute, HB 386 as amended by
Senate Bill 185 (2006), and as codified in various sections of the Ohio Code.

&nbsp;&nbsp;&nbsp;&nbsp;· Ohio
Consumer Sales Practices Act, Ohio Rev. Code Ann. § 1345.01, as implemented by Ohio Admin. Rules § 109 4-3-01 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· City
of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 72-2003 (PSH), Mun. Code §§ 757.01 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Summit County, Ohio, Anti-Predatory Lending Ordinance, Ordinance
No. 2004-

&nbsp;&nbsp;&nbsp;&nbsp;· Oklahoma Anti-Predatory Lending Law, House Bill No. 1574
(2003), as codified in various sections of Title 14A of the Oklahoma Consumer Credit Code.

&nbsp;&nbsp;&nbsp;&nbsp;· Oklahoma
Higher-Priced Mortgage Loans Law, Okla. Admin. Code §§ 160:45-9-1 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Pennsylvania Consumer Equity Protection Act, 63 Pa. Cons.
Stat. Ann. § 456.501 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Gen. L. 34-25.1-2 et seq, as implemented by Emergency Banking Regulation 3 (2006) and Final Banking Regulation 3 (2007) and amended
by Senate Bill 371 (2007).

&nbsp;&nbsp;&nbsp;&nbsp;· City of Providence, Rhode Island, Anti-Predatory Lending
Ordinance, Chapter 2006-33, Ordinance No. 245.

&nbsp;&nbsp;&nbsp;&nbsp;· South Carolina High-Cost and Consumer Home Loans Act, S.C.
Code § 37-23-10 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Tennessee Home Loan Protection Act, Tenn. H.R. 3597 (2006),
as codified at Tenn. Code Ann. §§ 45-20-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Section 50(a)(6), Article XVI of the Texas Constitution

&nbsp;&nbsp;&nbsp;&nbsp;· Section 50(f)(2), Article XVI of the Texas Constitution

&nbsp;&nbsp;&nbsp;&nbsp;· Utah Residential Mortgage Practices Amendments, Utah Code
Ann. § 61-2c-102 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Utah High-Cost Home Loan Act, Utah Code § 61-2d-101
et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Vermont Interest Act, 9 V.S.A. § 104, implemented by
Regulation B-98-2.

&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Mortgage Lender and Broker Act (for loans originated
prior to July 1, 2003), Va. Code Ann. §§ 6.1-413; 6.1-422; 6.1-428.

&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Mortgage Lender and Broker Act (for loans originated
on or after July 1, 2003 to September 30, 2010, as amended), Va. Code Ann. §§ 6.1-411, 6.1-422.1, 6.1-425.1 and 6.1-425.2.

&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Mortgage Lender and Broker Act (for loans originated
on or after October 1, 2010), Va. Code Ann. §§ 6.2-1600 et seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Senate Bill 797 (2008), effective July 1, 2008
(uncodified).

&nbsp;&nbsp;&nbsp;&nbsp;· West Virginia Residential Mortgage Lender,
Broker and Servicer Act, W.Va. Code § 31-17 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Wisconsin Responsible High-Cost
Mortgage Lending Act, Wis. Stat. § 428.202, as implemented by Wis. Admin. Code DFI-Bkg 46.01 et seq.

**Flood Insurance Testing**

**National Flood Insurance Program (NFIP)**

Each mortgage loan will be reviewed to ensure adherence to flood insurance coverage requirements as outlined under the NFIP, including identification of flood zones and subsequent policy documentation for evidence of adequate coverage amounts.

**Homeowner's Flood Affordability Act (HFIAA)**

Each mortgage loan made by an FDIC-supervised institution or servicer acting on its behalf shall require the escrow of all premiums and fess for flood insurance for any designated loan secured by residential improved real estate or a mobile home, made, increased, extended or renewed on or after January 1, 2016.

Frequency – Payable with same frequency as payments designated for the loans

Exceptions

&nbsp;&nbsp;&nbsp;&nbsp;· Loan is an extension of credit primarily for business, commercial
or agricultural purposes

&nbsp;&nbsp;&nbsp;&nbsp;· Loan is in a subordinate position to a senior lien secured
by the same residential improved real estate or mobile for which the borrower has obtained flood insurance

&nbsp;&nbsp;&nbsp;&nbsp;· Flood Insurance coverage for the residential real estate
is provided by a policy that

&nbsp;&nbsp;&nbsp;&nbsp;a. Meets requirements

&nbsp;&nbsp;&nbsp;&nbsp;b. Provided by a condominium association, cooperative or other applicable group and

&nbsp;&nbsp;&nbsp;&nbsp;c. The premium for which is paid by the condominium associate, cooperative, homeowners association, or
other group as a common expense.

**Misrepresentation and Third-Party Review<br>** 

<br> Validate that fraud reports and independent third-party property valuations reports are in the file. The review will consist of the following:<br>

1) Misrepresentation Review and Valuation Review

Review on each loan to identify potential misrepresentations of income, employment, identity, occupancy, transaction and appraisal misrepresentation or other areas of potential misrepresentation. The Misrepresentation may include the following:<br>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Signatures:
Validate signature consistency across documents. To the extent imaged or hard copy files are provided, Consultant will utilize reasonable
efforts to validate the consistency of signatures across documents.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Alerts:
Assess credit report alerts for accuracy and potential issues.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Social
Security Numbers: Compare SSN(s) across all file documents.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Document
Integrity: Review for apparent alterations to loan documents. To the extent imaged or hard copy files are provided, Consultant will utilize
reasonable review of alterations to the loan documents.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Data
Consistency: Review the documents contained in the loan file for consistency of data.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Third
Party Fraud Tools: To the extent a third party fraud tool is contained in the loan file, the Consultant will ensure high level or critical
warnings are reviewed and addressed.<br>

**Independent Third-Party Values**

Review each loan to determine whether a third party valuation product was required and if required, that the third party product value was compared to the original appraised value to identify a value variance and apply the appropriate rating agency grade after reviewing the required valuation products. i) Consultant will perform the following steps.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Property
is complete

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Value
is based on as-is condition or provides satisfactory completion of all material conditions including inspections, licenses, and certifications
(including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect
to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Property
is described in average or better condition

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• No
apparent appraiser independence violation statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Appraisal
addresses any adverse comments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Appraisal
is completed on appropriate GSE Forms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Appraisal
contains required attachments.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Appraiser
was appropriately licensed at the time the appraisal was signed

If the valuation vendor des not supply the updated valuation product directly to the Consultant, the Client will authorize the valuation vendor to issue an attestation with sufficient information for the Consultant to determine the correct valuation product was utilized to verify the accuracy of the origination appraisal.

Value Review Disclaimer

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The
individuals performing the above procedures are not person providing valuations for the purpose of the Uniform Standards of Professional
Appraisal Practice ("USPAP") or necessarily licensed as appraiser under Federal or State law, and the services being performed
do not constitute appraisal reviews for the purposes of USPAP or Federal or State law.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Opus
makes no representation or warranty as to the value of the mortgaged property, notwithstanding that Opus may have reviewed the valuation
information for reasonableness.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Opus
is not an Appraisal Management Company ("AMC") and therefore does not opine on the actual value of the underlying property.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Opus
is not a creditor within the meaning of the Equal Credit Opportunity Act ("ECOA") or other lending laws and regulations,
and therefore Opus will not have and communications with or responsibility to any individual concerning property valuations.

**Properties in FEMA declared disaster zones.**

If a FEMA declared disaster occurs after the inspection date on the appraisal, Consultant will review the file to determine if an exterior inspection to ensure:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• No
apparent damage to the property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Property
appears to be occupied

**Data Compare**

Client will provide a data tape with the following data fields and Consultant will compare the field to the applicable source document and report any variance<br>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Appraised Value

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· CLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· FICO

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interest Only

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interest Rate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Term

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Purpose

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· LTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Original Balance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property Address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property City

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property State

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property Type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Sales Price

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Second Mortgage Lien Amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Self Employed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Units

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Zip Code

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· QM Status

**Rating Agency Grading Criteria<br>** 

<br> **Fitch Ratings Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Fitch in their current industry publications as updated from time to time.<br>

**Moody's Investor Services Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Moody's in their current industry publications as updated from time to time.<br>

**Kroll Bond Rating Agency LLC Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Kroll in their current industry publications as updated from time to time.<br>

**S&P Global Ratings Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Standard & Poor's in their current industry publications and updated from time to time.<br>

**DBRS Morningstar Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by DBRS in their current industry publications and updated from time to time.

**Opus Grading Criteria**

1) Opus Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The following grading is not intended for securitization reviews and Opus will not issue a Rating Agency Narrative, Reliance or Form ABS Due Diligence 15E if Client elects to utilize the following grading criteria. The methodology for the application of grading is defined by Opus and updated from time to time shall be determined as follows:<br>

**Opus Credit Grades<br>** 

<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Level
1 Credit Grade Definition: Loan was originated in accordance with the mortgage loan originator underwriting guidelines without exception.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Level
2 Credit Grade Definition: Loan was originated in substantial compliance with the originator's underwriting guidelines and there are
sufficient compensating factors for any exceptions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Level
3 Credit Grade Definition: Loan was not originated in substantial compliance with the originator's underwriting guidelines and there
are insufficient compensating factors for the exceptions or is missing material documentation.<br>

**Opus Property Grades<br>** 

<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Level
1 Property Grade Definition: Property value appears to be within 10% of original appraised amount and there are no material deficiencies
in the appraisal process.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Level
2 Property Grade Definition: Property value appears to be within 10% of original appraised amount, but minor issues in the appraisal
process were identified.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Level
3 Property Grade Definition: Property value does not appear to fall within 10% of the original appraised value and/or material deficiencies
exist with respect to the appraisal process or the file is missing material documentation.<br>

**Opus Compliance Grades**<br>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Level
1 Compliance Grade Definition: Loan complies with all applicable laws and regulations reviewed under the applicable scope of work.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Level
2 Compliance Grade Definition: There are minor issues regarding legal and/or regulatory compliance but such issues do not represent risks
to the enforceability of the borrower's obligation under the loan documents and will not result in assignee liability to the investor.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Level
3 Compliance Grade Definition: Loan is not in compliance with laws and regulations reviewed under the applicable scope of work or the
loan is missing material documentation.

**REDACTED INFORMATION<br>** 

<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Borrower Name

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Co-Borrower Name

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· SSNs

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property Address, City, County, MSA, Zip

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Mailing Address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Account Number, including Originator and Servicer Loan Number

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Origination Date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Names of Borrowers or any other Individuals

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Company and Entity Names

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Financial Institution Names

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Job Position Titles

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Any Address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Any Location Information (other than state), including City,
County, MSA and Zip

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Account Numbers of any type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Insurance Claim Numbers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Insurance Policy Numbers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Foreclosure Action dates and Case Numbers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Bankruptcy Action dates and Case Numbers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Any reference that would allow the identification of the
location of a property (e.g. neighborhood, body of water, schools, major highways)

**DSCR Loan Review**

A re-underwriting review will be conducted in order to verify that the requisite underwriting guidelines as specified by Client (the "<u>Underwriting Guidelines</u>") are met. Confirmation of the loan terms will be performed through recalculation and review of documentation contained in the loan file provided to the Consultant. The Credit Qualification review guidelines will consist of the following:

**Borrower Underwriting:**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Borrower Liquidity:** Review and confirm borrower's liquidity position adheres to Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Credit / Background Check:** Review and confirm each guarantor and/or owner of the borrowing entity requirements meet Underwriting Guidelines,
including OFAC.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Property management questionnaire:** Review the questionnaire to confirm management experience meets Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Borrowing Entity:** Confirm the entity is in good standing and duly formed (if applicable documents are in the file). Verify the individual signing
on behalf of the organization has the authority to bind the entity (if applicable documents are in the file).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Loan-to-Value (LTV)/Loan-to-Cost (LTC) Limits:** Confirm the LTV/LTC meets Underwriting Guidelines per Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Permitted Loan Terms:** Confirm the loan terms are eligible per the Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Property Requirements and Market Requirements:** Confirm the loan Property and Market Requirements are eligible per the Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **DSCR—ensure components of Debt Service Coverage Ratio are identified correctly:** Recalculation of DSCR

**Title Insurance Requirements are met per Guidelines only as follows**

Confirm Loss payee language must be present and required insurance policies and coverage amounts meet the Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Condominium Eligibility:** Confirm Condo Master Policy is present and meets the Underwriting Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Property Insurance:** Confirm each mortgaged property has a policy in place and proper coverage amount in adherence to the Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Preliminary/Commitment Title:** Review and confirm first lien holder position, validate no loan file discrepancies, delinquent taxes, and/or additional liens
at time of consummation.

**Credit Document Check**

 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Loan
Application: Verify the presence and completeness of both the initial and final loan applications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Credit
Report: Verify the presence of a credit report for each borrower. Confirm that the credit report was pulled within the timing requirements
allowable per the Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Housing
Payment History: In the absence of housing payment histories on the borrower(s) credit report(s), verify that that the file contains
a verification of rent or a verification of mortgage form.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Letters
of Explanation: When Letters of Explanation are required by the Client provided underwriting guidelines, verify the presence of any such
letters exist in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Gift
Letters: When Gift Letters are required by the Client provided underwriting guidelines, verify the presence of any such letters exist
in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Asset
Documentation: Verify the presence of asset documentation required by the Client provided underwriting guidelines in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Property
Valuation Tools: Verify that each loan file contains adequate appraisal and other third party valuation tools to satisfy the minimum
required documentation under the relative Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Proof
of Insurance: Verify the presence of insurance certificates for mortgage, hazard and flood insurance on an as needed basis depending
upon the specifics of the loan. Confirm that adequate coverage is present to meet the requirements of the Client provided underwriting
guidelines.

**Compliance**

&nbsp;&nbsp;&nbsp;&nbsp;· No compliance testing for the DSCR review.

**<u>Pool Details</u>**

**<u>Tape Discrepancies</u>**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Data Element** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Accuracy** |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;**Total Loan Population** | &nbsp;&nbsp;**2** |  |

---

**<u>Loan Grading Definitions</u>**

**<u>Credit</u>**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp; A | &nbsp;&nbsp; A | &nbsp;&nbsp;Loan conforms to all applicable guidelines, no conditions noted |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp; B | &nbsp;&nbsp; B | &nbsp;&nbsp;Loan does not meet every applicable credit guideline. However, most of the loan characteristics are within the guidelines and there are documented and significant compensating factors |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp; C | &nbsp;&nbsp; C | &nbsp;&nbsp;The loan does not meet every applicable credit guideline, and most of the loan characteristics are outside of guidelines; or there are weak or no compensating factors |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp; D | &nbsp;&nbsp; D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Compliance</u>**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations; however, minor evidentiary issue(s) exist |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations and a benefit to the borrower is present and documented |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Property Valuation</u>**

---

| | |
|:---|:---|
| &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A &nbsp;&nbsp; A | &nbsp;&nbsp;Value is within a 10% variance of third party product. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| &nbsp;&nbsp;B &nbsp;&nbsp; B | &nbsp;&nbsp;Meets all terms for an A, but property requires cosmetic or minor repairs that do not affect value or habitability |
| &nbsp;&nbsp;C &nbsp;&nbsp; C | &nbsp;&nbsp;Any of the following items: Origination value and third party valuation product value has a variance of 10% or greater, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| &nbsp;&nbsp;D &nbsp;&nbsp; D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;First Level Review Value is within a 10% variance to the original appraisal. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;First Level Review Value is greater than a 10% variance to the original appraisal but the second level review value is within 10% variance of the original appraised value. In addition, property requires cosmetic or minor repairs that do not affect value or habitability |
| &nbsp;&nbsp;C | &nbsp;&nbsp;Any of the following items: Second Level Review Value is greater than a 10% variance to the original appraisal, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

**<u>Loan Review Findings</u>**

The following summarizes Consultant's initial and final loan securitization and event grades assigned to the final reviewed loan pool and reported in the Agency Grading Report dated January 8, 2026.

---

| | | |
|:---|:---|:---|
| **Overall Grade Summary** | | |
| &nbsp;&nbsp;**DBRS, Kroll, S&P and Moody's NRSRO Grade** | <br>&nbsp;&nbsp;**# of Loans** | <br>&nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| **Compliance Grade Summary** |  |  |
| &nbsp;&nbsp;**DBRS, Kroll, S&P and Moody's NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| **Credit Grade Summary** |  |  |
| &nbsp;&nbsp;**DBRS, Kroll, S&P and Moody's NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| **Property Grade Summary** |  |  |
| &nbsp;&nbsp;**DBRS, Kroll, S&P and Moody's NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**<u>Loans Reviewed (2)</u>**

304092680 <br> 304324930

If you have any questions, please contact Uriah Clavier at Uriah.Clavier@opuscmc.com

## Exhibit 99.38

[j.p. morgan acceptance corporation ii abs-15G](jpmmt-abs15g.htm)

**Exhibit 99.38**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX |  | 304324930 | XXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From Note. |
| XXXX |  | 304324930 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | Audit Value Pulled From Appraisal. |

---

## Exhibit 99.39

[j.p. morgan acceptance corporation ii abs-15G](jpmmt-abs15g.htm)

**Exhibit 99.39**

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXX | XXXX |  | 304092680 | Closed | 2024-02-13 10:27 | 2026-01-08 09:05 | Resolved | 1 - Information | Credit | Assets | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Resolved-Audited Assets of $1223526.16 are greater than Guideline Required Assets of $226836.55. - Due Diligence Vendor-01/08/2026 <br> Resolved-Lender provided asset documentation to cover reserves, finding resolved. - Due Diligence Vendor-02/15/2024 <br> Ready for Review-Document Uploaded. - Buyer-02/15/2024 <br> Open-Audited Assets of $183811.94 are less than Guideline Required Assets of $226836.55. The lender guides required 3 months reserves plus 110% of the Loan amount The loan amount is $XXX,XXX x 110% = $XXX,XXX plus 3 months reserves which is $6,836.55 or $226,836.55. Using the cash-out from the subject transaction the borrower only documented $183,811.94 in reserves, which is not sufficient to meet the guideline requirement. The final 1003 lists an asset for $409,027.21 which was not found in the loan file. <br> - Due Diligence Vendor-02/13/2024 |  | Resolved-Audited Assets of $1223526.16 are greater than Guideline Required Assets of $226836.55. - Due Diligence Vendor-01/08/2026 <br>Resolved-Lender provided asset documentation to cover reserves, finding resolved. - Due Diligence Vendor-02/15/2024<br>| Assets.pdf<br>AssetsNov.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 1431656 | N/A | N/A |
| XXXX | XXXX |  | 304092680 | Closed | 2024-02-13 10:19 | 2024-02-15 10:37 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Lender provided asset documentation to cover reserves, finding resolved. - Due Diligence Vendor-02/15/2024 <br> Resolved-Total Qualified Assets for Reserves Post-Close of $1223526.16 is equal to or greater than Total Required Reserve Amount of $227885 - Due Diligence Vendor-02/15/2024 <br> Ready for Review-Document Uploaded. - Seller-02/15/2024 <br> Open-Total Qualified Assets for Reserves Post-Close of $183811.94 is less than Total Required Reserve Amount of $227885 The lender guides required 3 months reserves plus 110% of the Loan amount The loan amount is $XXX,XXX x 110% = $XXX,XXXplus 3 months reserves which is $6,836.55 or $226,836.55. Using the cash-out from the subject transaction the borrower only documented $183,811.94 in reserves, which is not sufficient to meet the guideline requirement. The final 1003 lists an asset for $409,027.21 which was not found in the loan file. <br> - Due Diligence Vendor-02/13/2024 | Ready for Review-Document Uploaded. - Seller-02/15/2024<br>| Resolved-Lender provided asset documentation to cover reserves, finding resolved. - Due Diligence Vendor-02/15/2024 <br>Resolved-Total Qualified Assets for Reserves Post-Close of $1223526.16 is equal to or greater than Total Required Reserve Amount of $227885 - Due Diligence Vendor-02/15/2024<br>| AssetsNov.pdf<br>Assets.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 1431608 | N/A | N/A |
| XXXX | XXXX |  | 304092680 | Closed | 2024-02-13 10:15 | 2024-02-15 10:37 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Lender provided asset documentation to cover reserves, finding resolved. - Due Diligence Vendor-02/15/2024 <br> Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-02/15/2024 <br> Ready for Review-Document Uploaded. - Buyer-02/15/2024 <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements The lender guides required 3 months reserves plus 110% of the Loan amount The loan amount is $XXX,XXX x 110% = $XXX,XXX plus 3 months reserves which is $6,836.55 or $226,836.55. Using the cash-out from the subject transaction the borrower only documented $183,811.94 in reserves, which is not sufficient to meet the guideline requirement. The final 1003 lists an asset for $409,027.21 which was not found in the loan file. <br> - Due Diligence Vendor-02/13/2024 |  | Resolved-Lender provided asset documentation to cover reserves, finding resolved. - Due Diligence Vendor-02/15/2024 <br>Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-02/15/2024<br>| AssetsNov.pdf<br>Assets.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 1431588 | N/A | N/A |
| XXXX | XXXX |  | 304324930 | Closed | 2024-06-11 07:41 | 2024-06-13 11:23 | Resolved | 1 - Information | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-Lender provided final settlement statement, finding resolved. - Due Diligence Vendor-06/13/2024 <br>Ready for Review-Document Uploaded. Final Settlement Statement - Buyer-06/13/2024 <br>Open-Final HUD-1 Document is Missing. Additional conditions may apply upon receipt of the required documentation. - Due Diligence Vendor-06/11/2024 |  | Resolved-Lender provided final settlement statement, finding resolved. - Due Diligence Vendor-06/13/2024<br>| Linhart-final BuyerBorrower Statement.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | 1814437 | N/A | N/A |
| XXXX | XXXX |  | 304324930 | Closed | 2024-06-10 03:28 | 2024-06-11 07:21 | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements Guideline requires documentation that the most recent 12 months property taxes have been paid on time for a free and clear property. Despite this requirement, the property taxes for the borrower's primary residence are reported as delinquent. Documentation confirming paid prior to close was provided. The Lender provided approved exception dated prior to consummation, providing adequate comp factors. and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/10/2024 |  | Waived-Housing History Does Not Meet Guideline Requirements Guideline requires documentation that the most recent 12 months property taxes have been paid on time for a free and clear property. Despite this requirement, the property taxes for the borrower's primary residence are reported as delinquent. Documentation confirming paid prior to close was provided. The Lender provided approved exception dated prior to consummation, providing adequate comp factors. and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/10/2024<br>|  |  | 1) DSCR 1.308 vs 1.2 Min<br> 2) 25+ months reserves vs 3 month requirement | XX | Investment | Refinance | Cash Out - Other | 1807566 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 304324930 | Closed | 2024-06-10 06:37 | 2024-06-11 07:18 | Waived | 2 - Non-Material | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Audited FICO of 688 is less than Guideline FICO of 700. Lender provided approved exception prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/10/2024 |  | Waived-Audited FICO of 688 is less than Guideline FICO of 700. Lender provided approved exception prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/10/2024<br>|  |  | DSCR 1.308 vs 1.20 minimum, 25 months reserves greater than 3 months required. | XX | Investment | Refinance | Cash Out - Other | 1808046 | Originator Pre-Close | Yes |

---

## Exhibit 99.40

[j.p. morgan acceptance corporation ii abs-15G](jpmmt-abs15g.htm)

**Exhibit 99.40**

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXX |  | 304092680 | $X,XXX.XX C A |
| XXXX |  | 304324930 | $X,XXX.XX B D A |

---

## Exhibit 99.41

[j.p. morgan acceptance corporation ii abs-15G](jpmmt-abs15g.htm)

**Exhibit 99.41**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX |  | 304092680 | XX/XX/XXXX | $X,XXX.XX | 0 | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR |  | XXXX | XXXX | $X,XXX.XX | 46.51 | 46.51 | $X,XXX.XX | $X,XXX.XX | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $X,XXX.XX | $X,XXX.XX | .0000 | ClearCapital | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304324930 | XX/XX/XXXX | $X,XXX.XX | 0 | 0 | $X,XXX.XX | XX/XX/XXXX | Narrative Appraisal |  |  |  | $X,XXX.XX | 60.0 | 60.0 | $X,XXX.XX | $X,XXX.XX | .0000 | Broker Price Opinion (BPO) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | $X,XXX.XX | .0000 | COnsolidated Analytics | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.42

[j.p. morgan acceptance corporation ii abs-15G](jpmmt-abs15g.htm)

**Exhibit 99.42**

![](ex9942_001.jpg)

**Selene Diligence LLC ("Selene") Due**

**Diligence Review Narrative ("Report")**

Selene's Report, which is to be made available to the recipients by the Client, includes the loan level results of Selene's independent, third-party due diligence review conducted on behalf of the Client. The scope of review for these loans is as follows:

**DESCRIPTION OF SERVICES:**

&nbsp;&nbsp;&nbsp;&nbsp;**(1) Type of assets that were reviewed.**

Selene Diligence LLC performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by JPMorgan Chase Bank, National Association (the "Client"). The review was conducted between March 17, 2025 and November 21, 2025 via files imaged and provided for review (the "Review").

&nbsp;&nbsp;&nbsp;&nbsp;**(2) Sample size of the assets reviewed.**

This Review consisted of 100% of the loan population.

**FINAL SECURITIZATION POPULATION**

Selene was instructed to perform a review on a population totaling 20 Non-QM loans and 33 ATR-QM exempt loans for a total of 53 loans (the "Final Securitization Population").

*<u>Credit Reviews (53):</u>*

During the Review, Selene performed a credit review on 53 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (53)</u>*

During the Review, Selene performed a compliance review on 53 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (53):</u>*

During the Review, Selene performed a property valuation review on 53 mortgage loans in the Final Securitization

Population.

*<u>Data Integrity Review (53):</u>*

During the Review, Selene performed a Data Integrity Review on 53 mortgage loans in the Final Securitization

Population.

*JPMMT 2026-NQM1 Executive Summary (Selene Diligence)* <br>

![](ex9942_001.jpg)

**<u>FINAL SECURITIZATION POPULATION</u>**

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 53 mortgage loans that formed the Final Securitization Population. The table below summarizes the reviews conducted by Selene.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Review** | &nbsp;&nbsp;**Reviewed Total** | &nbsp;&nbsp;**% of Final Securitization Population** |
| &nbsp;&nbsp;Credit Population | &nbsp;&nbsp;53 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;53 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;53 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;53 | &nbsp;&nbsp;100% |

---

&nbsp;&nbsp;&nbsp;&nbsp;**(3) Determination of the sample size and computation.**

The Review was conducted with sample size criteria that has been communicated by the Client to Selene to be consistent with the criteria for the nationally recognized statistical ratings organizations identified in Item 3 of the ABS Due Diligence-15E.s, S&P Global Ratings ("S&P"), DBRS, Inc. ("DBRS"), Fitch Ratings, Inc. ("Fitch"), Moody's Investors Service, Inc. ("Moody's"), and Kroll Bond Rating Agency, LLC ("Kroll") (the "NRSRO(s)").

&nbsp;&nbsp;&nbsp;&nbsp;**(4) Quality or integrity of information or data about the assets: review and methodology.**

Where available, Selene compared the data fields on the bid tape provided by the Client to the data found in the actual loan file as captured by Selene. This information may not have been available for all mortgage loans.

&nbsp;&nbsp;&nbsp;&nbsp;**(5) Origination of the assets and conformity to stated underwriting or credit extension guidelines, standards, criteria or other requirements: review and methodology.**

Selene assessed the underwriting guidelines and compared the documentation in the loan file against the stated guidelines for adherence.

**<u>GUIDELINES</u>**

Choice Non-QM Underwriting Guidelines, Deephaven Wholesale Underwriting Guidelines, Deephaven Correspondent Underwriting Guidelines, LoanStream Core Guide, LoanStream One Guide, (collectively the "Guidelines")

**<u>LOAN GRADING</u>**

The Guidelines referenced above served as the benchmark for grading loans with respect to credit, compliance, underwriting, property valuation and data integrity. Each loan received an "initial" and a "final" grade. The "initial" grade was assigned during the initial loan review. The "final" grade considers additional information and supporting documentation that may have been provided by the originators to clear outstanding conditions. Selene's loan grading is solely based on Selene's independent assessment of all Guideline exceptions and compensating factors for each of the component reviews. Selene provided a comprehensive loan-level analysis that includes initial grades, final grades and detailed commentary on the rationale for any changes in grades and sets forth compensating factors and waivers.

*JPMMT 2026-NQM1 Executive Summary (Selene Diligence)* <br>

![](ex9942_001.jpg)

**<u>SCOPE OF REVIEW</u>**

Selene examined the selected loan files with respect to the presence or absence of relevant documents, enforceability of mortgage loan documents, and accuracy and completeness of data fields. Selene relied on the accuracy of information contained in loan documentation provided to Selene (for more detail, please refer to Appendix A,B, and C, attached hereto).

**CREDIT REVIEW**

Selene's credit scope of review conducted on this transaction included the following elements:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Assessed
whether the characteristics of the mortgage loans and the borrowers conformed to the Guidelines cited above;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Re-calculated
LTV, CLTV, income, liabilities and compared these against the Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Analyzed
asset statements to determine whether funds to close and reserves were within the Guidelines; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Confirmed
that credit scores (FICO) and credit histories were within the Guidelines.

**COMPLIANCE REVIEW**

Selene's compliance scope determined the presence and correct execution of required documents such as the promissory note and security instrument, with respect to the ATR-QM Exempt Loans. With respect to the Non-QM loans, Selene tested whether the mortgage loans comply with the Federal Truth in Lending Act, the Federal Real Estate Settlement Procedures Act, Sections 1098 and 1100A of Dodd Frank, Sections 1411 and 1412 of the Wall Street Reform and Consumer Protection Act, and the Equal Credit Opportunity Act. Please see Appendix B for additional information.

**PROPERTY VALUATION REVIEW**

Selene's Property Valuation scope of review conducted on this transaction included the following elements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Original Appraisal Assessment** 

Selene 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;• **Value Supported Analysis** 

Selene applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third-party valuation product provided by the Client.

*JPMMT 2026-NQM1 Executive Summary (Selene Diligence)* <br>

![](ex9942_001.jpg)

**DATA INTEGRITY REVIEW**

Selene uploads tape data into its due diligence application and compares it to the actual documents provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tape data received from lender/client is stored in a secured FTP folder;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tape data is uploaded into the application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Loan Reviewer collects validated loan data;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Each received data point is compared to its counterpart collected data point; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Discrepancies found during comparison are stored and reported.

Selene provided the Client with a copy of the initial loan level tape discrepancy report which shows the differences between the data received by the Client versus the data captured by Selene during the loan review.

**<u>SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW</u>**

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs.

With respect to the Final Securitization Population, Selene conducted (i) a Credit Review on 53 mortgage loans, (ii) a Compliance Review on 53 mortgage loans (iii) a Valuation Review on 53 mortgage loans, and (iv) a Data Integrity Review on 53 mortgage loans; the results of these reviews are discussed below. All grades shown below are based upon the NRSRO grading methodologies utilized by the NRSROs.

**REVIEW RESULTS SUMMARY**

After review of the 53 mortgage loans; 39 mortgage loans had a rating grade of A, 14 mortgage loans had a rating grade of B, 0 mortgage loans had a rating grade of C, and 0 mortgage loans had a rating grade of D.

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;***Grades per loan (53 overall loans):*** | &nbsp;&nbsp;***Grades per loan (53 overall loans):*** | &nbsp;&nbsp;***Grades per loan (53 overall loans):*** | &nbsp;&nbsp;***Grades per loan (53 overall loans):*** | &nbsp;&nbsp;***Grades per loan (53 overall loans):*** | &nbsp;&nbsp;***Grades per loan (53 overall loans):*** | &nbsp;&nbsp;***Grades per loan (53 overall loans):*** | &nbsp;&nbsp;***Grades per loan (53 overall loans):*** | &nbsp;&nbsp;***Grades per loan (53 overall loans):*** | &nbsp;&nbsp;***Grades per loan (53 overall loans):*** | &nbsp;&nbsp;***Grades per loan (53 overall loans):*** | &nbsp;&nbsp;***Grades per loan (53 overall loans):*** |  |  |
| | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;15 | &nbsp;&nbsp;15 | &nbsp;&nbsp;15 | &nbsp;&nbsp;15 | &nbsp;&nbsp;15 | &nbsp;&nbsp;28.30% | &nbsp;&nbsp;A | &nbsp;&nbsp;39 | &nbsp;&nbsp;39 | &nbsp;&nbsp;39 | &nbsp;&nbsp;39 | &nbsp;&nbsp;39 | &nbsp;&nbsp;73.58% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;5.66% | &nbsp;&nbsp;B | &nbsp;&nbsp;14 | &nbsp;&nbsp;14 | &nbsp;&nbsp;14 | &nbsp;&nbsp;14 | &nbsp;&nbsp;14 | &nbsp;&nbsp;26.42% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;7 | &nbsp;&nbsp;7 | &nbsp;&nbsp;7 | &nbsp;&nbsp;7 | &nbsp;&nbsp;7 | &nbsp;&nbsp;13.21% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;28 | &nbsp;&nbsp;28 | &nbsp;&nbsp;28 | &nbsp;&nbsp;28 | &nbsp;&nbsp;28 | &nbsp;&nbsp;52.83% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

*JPMMT 2026-NQM1 Executive Summary (Selene Diligence)* <br>

![](ex9942_001.jpg)

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** |  |  |  |
| | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;47 | &nbsp;&nbsp;47 | &nbsp;&nbsp;47 | &nbsp;&nbsp;47 | &nbsp;&nbsp;47 | &nbsp;&nbsp;88.68% | &nbsp;&nbsp;A | &nbsp;&nbsp;43 | &nbsp;&nbsp;43 | &nbsp;&nbsp;43 | &nbsp;&nbsp;43 | &nbsp;&nbsp;43 | &nbsp;&nbsp;81.13% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;6 | &nbsp;&nbsp;6 | &nbsp;&nbsp;6 | &nbsp;&nbsp;6 | &nbsp;&nbsp;6 | &nbsp;&nbsp;11.32% | &nbsp;&nbsp;B | &nbsp;&nbsp;10 | &nbsp;&nbsp;10 | &nbsp;&nbsp;10 | &nbsp;&nbsp;10 | &nbsp;&nbsp;10 | &nbsp;&nbsp;18.87% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
|  | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** |  |  |  |  |  |  |  |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**%** |  |  |  |  |  |  |  |
| &nbsp;&nbsp;A | &nbsp;&nbsp;52 | &nbsp;&nbsp;52 | &nbsp;&nbsp;52 | &nbsp;&nbsp;52 | &nbsp;&nbsp;52 | &nbsp;&nbsp;98.11% |  |  |  |  |  |  |  |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.89% |  |  |  |  |  |  |  |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |  |  |  |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |  |  |  |

---

**<u>REVIEW RESULTS SUMMARY (EXCEPTION LISTING)</u>**

Review of the Final Grading Summary (redacted) provides the exceptions in detail and the migration from the initial rating agency grade to the final rating agency grade, based on mitigation/resolution from the client.

*Disclaimer:* Please be advised that Selene did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with all applicable laws and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Selene are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Selene is relying in reaching such findings.

*JPMMT 2026-NQM1 Executive Summary (Selene Diligence)* <br>

![](ex9942_001.jpg)

Please be further advised that Selene does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Selene do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Selene. Information contained in any Selene report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of

limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. Risk levels associated with a loan may have changed an exception level, given rating agency published guidance, written guidance, or other guidance from the rating agency team on the transaction. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Selene to prepare its reports pursuant to its instructions and Guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Selene are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Selene does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Selene.

**<u>THIRD PARTY REVIEW REPORTING DELIVERED</u>**

Selene furnished the following reports on this transaction:

&nbsp;&nbsp;&nbsp;&nbsp;1. Selene Due Diligence Narrative Report

&nbsp;&nbsp;&nbsp;&nbsp;2. ASF Report

&nbsp;&nbsp;&nbsp;&nbsp;3. Grading Summary

&nbsp;&nbsp;&nbsp;&nbsp;4. Exception Detail

&nbsp;&nbsp;&nbsp;&nbsp;5. Tape Discrepancies

&nbsp;&nbsp;&nbsp;&nbsp;6. Valuations Report

&nbsp;&nbsp;&nbsp;&nbsp;7. Supplemental Data

&nbsp;&nbsp;&nbsp;&nbsp;8. Third Party (TPR) Attestation Form

&nbsp;&nbsp;&nbsp;&nbsp;9. Attestation Form 15E

*JPMMT 2026-NQM1 Executive Summary (Selene Diligence)* <br>

![](ex9942_001.jpg)

**APPENDIX A – CREDIT REVIEW SCOPE**

Selene reviewed the origination documentation contained in the mortgage loan file to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements that are provided to Selene and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

**Credit Application**

For the Credit Application, Selene verified whether:

&nbsp;&nbsp;&nbsp;&nbsp;1. The application is signed by all listed borrowers;

&nbsp;&nbsp;&nbsp;&nbsp;2. The application is substantially filled out; and

&nbsp;&nbsp;&nbsp;&nbsp;3. All known borrower-owned properties are disclosed on the Real Estate Owned section.

**Credit Report**

Selene verified:

&nbsp;&nbsp;&nbsp;&nbsp;1. A credit report and/or other credit history documentation is present for each borrower;

&nbsp;&nbsp;&nbsp;&nbsp;2. Capture the monthly consumer debt payments for use in the debt to income and/or residual income calculation,
as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;3. Note the Real Estate Owned and fraud alerts; and

&nbsp;&nbsp;&nbsp;&nbsp;4. Gather data required for ASF Report submission which may include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) Most recent FICO Score (scores from Equifax, Experian, and Transunion if available)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Most recent FICO date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Longest Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Maximum Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) Number of trade lines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) Credit Usage Ratio

**Employment and Income**

Selene determined whether all applicable supporting documentation as required by the guidelines is in the file and note indications of potentially fraudulent documents. The documentation was also be used to verify whether the income used to qualify the loan was calculated in accordance with applicable guidelines. Documentation verifying employment and income may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verbal or Written VOE's

&nbsp;&nbsp;&nbsp;&nbsp;2. Pay stubs

&nbsp;&nbsp;&nbsp;&nbsp;3. W-2 forms

&nbsp;&nbsp;&nbsp;&nbsp;4. Tax returns

&nbsp;&nbsp;&nbsp;&nbsp;5. Financial statements

&nbsp;&nbsp;&nbsp;&nbsp;6. Award letters

&nbsp;&nbsp;&nbsp;&nbsp;7. Bank statements

*JPMMT 2026-NQM1 Executive Summary (Selene Diligence)* <br>

![](ex9942_001.jpg)

**Asset Review**

Selene assessed whether the asset documentation required by the guidelines is present in the file. In addition, a review of the reserve calculation was performed. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. VOD's

&nbsp;&nbsp;&nbsp;&nbsp;2. Depository account statements

&nbsp;&nbsp;&nbsp;&nbsp;3. Stock or security account statements

&nbsp;&nbsp;&nbsp;&nbsp;4. Gift funds

&nbsp;&nbsp;&nbsp;&nbsp;5. Settlement statement or other evidence of conveyance and transfer of funds if a sale of assets was involved

**Hazard/Flood insurance** 

A review of the insurance present on the loan was also be performed:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verify that the hazard insurance meets the minimum required amount of coverage in the guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;2. For condominium properties, confirm that the blanket policy meets the minimum amount of coverage;

&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm that the flood cert is for the correct borrower, property, lender and loan number and is a "Life
of Loan" certification;

&nbsp;&nbsp;&nbsp;&nbsp;4. For properties is in a flood zone per the flood cert, confirm that flood insurance in the file meets the
minimum required amount of coverage and meets guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Confirm that the mortgagee clause lists the lender's name and "its successors and assigns";
and

&nbsp;&nbsp;&nbsp;&nbsp;6. Confirm that the premium amount on both the hazard and flood insurance match what was used in the DTI
calculations.

**Title**

Verified whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower and review the Title Commitment for the disclosure issues.

**Fraud**

To the extent potentially fraudulent activity is identified as part of the document review, such information was reported to Client. In addition, when required, Selene looked for an independent, third party fraud report in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan. If the loan does not contain a fraud report and the counterparty cannot produce one, Selene conditioned the loan for the missing product.

*JPMMT 2026-NQM1 Executive Summary (Selene Diligence)* <br>

![](ex9942_001.jpg)

On this Fraud report Selene:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Reviewed
for any name variations for the borrowers and confirm that the variations have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Reviewed
for any social security number variations for the borrowers and confirm that the variations have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Reviewed
for any potential occupancy issues based on the borrowers' address history and confirm that any issues have been addressed in the
loan file;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Reviewed
for any employment issues and confirm that any issues have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Reviewed
for any additional consumers associated with the borrowers' profiles and confirm the materiality and material issues have been
addressed in the loan file; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Addressed
all red flag issues.

**Additional Review**

Selene's review procedures also included:

&nbsp;&nbsp;&nbsp;&nbsp;1. A review of the completeness and accuracy of the information obtained in the mortgage origination process;

&nbsp;&nbsp;&nbsp;&nbsp;2. A review of closing documents to ensure that the mortgage file information is complete, accurate, and
consistent with other documents in the mortgage file;

&nbsp;&nbsp;&nbsp;&nbsp;3. Selene will review the mortgage file documents to determine that the mortgage was properly underwritten;

&nbsp;&nbsp;&nbsp;&nbsp;4. Verification that the DTI, LTV, asset reserves, property type, transaction type (maximum loan amount,
loan purpose, occupancy, etc.), and FICO scores meet or exceed the guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Verification that all borrowers are eligible based on the guidelines and information in the loan file;
and

&nbsp;&nbsp;&nbsp;&nbsp;6. Verify there is appropriate documentation present to confirm that applicable documents have been recorded
or have been sent for recording.

*JPMMT 2026-NQM1 Executive Summary (Selene Diligence)* <br>

![](ex9942_001.jpg)

**APPENDIX B – COMPLIANCE REVIEW SCOPE**

Selene reviewed the Non-QM loans to determine, as applicable, to the extent possible and/or applicable and subject to the caveats below, whether the loan complies with:

**1.** **Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Rescission (§1026.23):</u> 

i) failure to provide the right of rescission notice;

ii) failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);

iii) errors in the right of rescission notice;

iv) failure to provide the correct form of right of rescission notice;

v) failure to provide the three (3) business day rescission period;

vi) any material disclosure violation on a rescindable mortgage loan that gives rise to the right of rescission under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures, or those related to prepayment penalties on covered transactions; and

vii) with respect to applicable exception remediation measures, confirm that a letter of explanation, a refund if applicable, new corrected material disclosures and a new notice of right to cancel was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>TIL Disclosure (§§1026.17, 18 and 19):</u> 

i) review and comparison of the initial and final TIL disclosures, and any re-disclosed TIL(s);

ii) proper execution by all required parties;

iii) principal and interest calculations, and proper completion of the interest rate and payment summary; and

iv) timing of initial and re-disclosed TIL(s).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Tolerances (§§1026.18, 22 and 23):</u> 

i) inaccurate Annual Percentage Rate (APR) outside of applicable tolerance by comparing disclosed APR to re-calculated APR; and

ii) inaccurate Finance Charge outside of applicable tolerance by comparing disclosed Finance Charge to re-calculated Finance Charge.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

iv) compliance with the disclosure requirements, limitation on terms and prohibited acts or practices in connection with a high-cost mortgage.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) <u>Higher-priced Mortgage Loan (§1026.35):</u> 

i) APR threshold test; and <br> ii) compliance with the escrow account and appraisal requirements.

*JPMMT 2026-NQM1 Executive Summary (Selene Diligence)* <br>

![](ex9942_001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) <u>With respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):</u> 

i) review relevant documentation to determine if compensation to a Loan Originator was based on a term of the transaction;

ii) review relevant document to determine if there was dual compensation; and

iii) review the presence of the mortgage loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Note: Where available, Selene reviewed the relevant documents in the mortgage loan file and, as necessary, attempted to obtain the mortgage loan originator compensation agreement and/or governing policies and procedures of the mortgage loan originator. In the absence of the mortgage loan originator compensation agreement and/or governing policies and procedures, Selene's review was limited to formal general statements of entity compliance provided by the mortgage loan originator, if any. These statements, for example, were in the form of a letter signed by the seller correspondent/mortgage loan originator or representations in the mortgage loan purchase agreement between the Client and seller correspondent;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g) <u>Homeownership counseling (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor obtained proof of homeownership counseling in connection with a mortgage loan to a first time homebuyer that contains a negative amortization feature.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h) <u>Mandatory Arbitration Clauses (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the terms of the mortgage loan require arbitration or any other non-judicial procedure to resolve any controversy or settle any claims arising out of the transaction.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor financed, directly or indirectly, any premiums or fees for credit insurance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j) <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review for presence of mortgage loan originator organization
 and individual mortgage loan originator name and NMLSR ID, as applicable, on the credit application, note or mortgage loan contract, security
 instrument, Loan Estimate and Closing Disclosure; and (ii) verify the data against the NMLSR database, as available.

**2.** **Federal Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 12 C.F.R. Part 1024, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Good Faith Estimate (GFE) (§1024.7):</u> 

i) confirm the presence of the current GFE form in effect at the time of origination;

ii) verify GFE was provided to the borrower(s) within three (3) business days of application;

iii) verify all sections of the GFE were accurately completed and that information was reflected in the appropriate locations;

iv) determine whether a valid and properly documented changed circumstance accompanies any changes to mortgage loan terms and/or fees on any revised GFEs over the applicable tolerance(s); and

v) confirm the presence of a settlement service provider list, as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Final HUD-1/A Settlement Statement (HUD) (§1024.8):</u> 

i) confirm current applicable HUD form was provided;

ii) determination that the mortgage loan file contains the final HUD;

iii) escrow deposit on the final HUD matches the initial escrow statement amount; and

iv) verify all sections of the final HUD were accurately completed and that information was reflected in the appropriate locations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>GFE and Final HUD Comparison (§1024.7):</u> 

i) review changes disclosed on the last GFE provided to the borrower(s) to determine that such changes were within the allowed tolerances;

ii) confirm mortgage loan terms and fees disclosed on the third page of the final HUD accurately reflect how such items were disclosed on the referenced GFE, page 2 of the final HUD and mortgage loan documents; and

iii) review any documented cure of a tolerance violation to determine that the proper reimbursement was made and a revised HUD was provided at or within 30 days of settlement.

*JPMMT 2026-NQM1 Executive Summary (Selene Diligence)* <br>

![](ex9942_001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> 

i) confirm the presence of the Servicing Disclosure Statement form in the mortgage loan file;

ii) verify the Servicing Disclosure Statement was provided to the borrower(s) within three (3) business days of application;

iii) confirm the presence of the Special Information Booklet in the mortgage loan file or that the mortgage loan file contains documentary evidence that the disclosure was provided to the borrower;

iv) confirm the Special Information Booklet was provided within three (3) business days of application;

v) confirm the presence of the Affiliated Business Arrangement Disclosure in the mortgage loan file in the event the lender has affiliated business arrangements;

vi) confirm the Affiliated Business Arrangement Disclosure was provided no later than three (3) business days of application;

vii) confirm the Affiliated Business Arrangement Disclosure is executed; and

viii) confirm the presence of the Initial Escrow Disclosure Statement in the mortgage loan file and proper timing; and

ix) confirm that the creditor provided the borrower a list of homeownership counselling organizations within three (3) business days of application.

**3.** **Sections 1098 and 1100A of Dodd-Frank amending TILA and RESPA, as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below (applicable only for mortgage loans with application dates on or after October 3, 2015):** 

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u> 

---

| | |
|:---|:---|
| i) | confirm the presence of LE for applications on or after October 3, 2015; |
| ii) | confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application; |
| iii) | confirm that certain sections of each LE determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the LE; |
| iv) | confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency; |
| v) confirm if the file indicates a fee was imposed, other than for a credit report, prior to borrower receiving LE and indicating an intent to proceed with the transaction; | v) confirm if the file indicates a fee was imposed, other than for a credit report, prior to borrower receiving LE and indicating an intent to proceed with the transaction; |
| vi) | confirm that any written estimate of terms or costs provided prior to receipt of a LE contained the required disclosures; |
| vii) | confirm that each revised LE is accompanied by valid written documentation explaining the reason for re-disclosure to allow for fee increases based on a valid change of circumstance and was timely provided within 3 business days of issuance; |
| viii) | confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services); |
| ix) | confirm borrower received LE not later than four (4) business days prior to consummation; and |
| x) | confirm LE was not provided to the borrower on or after the date of the CD. |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u> 

i) confirm the presence of CD for applications on or after October 3, 2015;

ii) confirm the borrower received CD at least three (3) business days prior to consummation, or that such period was waived due to a bona fide financial emergency;

iii) confirm that certain sections of each CD determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;

iv) confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate;

v) identify tolerance violations based on the charges disclosed on the initial and interim LE's, initial CD, and reflected on the final CD;

*JPMMT 2026-NQM1 Executive Summary (Selene Diligence)* <br>

![](ex9942_001.jpg)

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD, confirm that the creditor cured the violations no later than 60 days after consummation, or within 60 days of discovery; and

vii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation. (In an attempt to establish a best practices approach to pre-securitization due diligence, as it applies to TILA RESPA Integrated Disclosure testing, the Structured Finance Industry Group ("SFIG") has a working group that consists of industry participants including third party review providers and law firms who are discussing a standardized approach to remediation considerations. This approach is intended to be based on a reasoned legal analysis that expressly assumes that courts will interpret TRID in accordance with the principals of liability set forth in the letter to the MBA from Richard Cordray, the Director of the CFPB. No assurances can be provided that the courts in question will interpret TRID in accordance with the SFIG industry group proposal.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Your Home Loan Toolkit (§1026.19):</u> 

i) confirm the presence of Your Home Loan Toolkit in the mortgage loan file or that the mortgage loan file contains documentary evidence that the disclosure was provided to the borrower; and

ii) confirm Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) business days after receipt of application

**4.** **Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) the general Ability to Repay ("ATR") underwriting standards (12 C.F.R. 1026.43(c));

&nbsp;&nbsp;&nbsp;&nbsp;b) refinancing of non-standard mortgages (12 C.F.R. 1026.43(d)); and

&nbsp;&nbsp;&nbsp;&nbsp;c) Balloon-payment qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

<u>General Ability to Repay</u>

Selene reviewed the applicable mortgage loans to determine whether, based on available information in the mortgage loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability (the consumer's current employment status); (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

*JPMMT 2026-NQM1 Executive Summary (Selene Diligence)* <br>

![](ex9942_001.jpg)

Selene reviewed the mortgage loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a mortgage loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities ("Authorities"). Selene does not represent or warrant that the factors for which it is reviewing the mortgage loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a mortgage loan. Selene's review is based on information contained in the mortgage loan file at the time it is provided to Selene to review, and only reflects information as of that point in time.

**5.** **The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002, as set forth below:** 

---

| | | |
|:---|:---|:---|
| a) | Providing Appraisals and Other Valuations (12 C.F.R. 1002.14): | Providing Appraisals and Other Valuations (12 C.F.R. 1002.14): |
|  | i) | timing and content of the right to receive copy of appraisal disclosure; |
|  | ii) | charging of a fee for a copy of the appraisal or other written valuation; |
|  | iii) | timing of creditor providing a copy of each appraisal or other written valuation; and |
|  | iv) | with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that (a) the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (b) that the lender has provided copies of appraisals and other written valuations at or prior to consummation. |

---

**6.** **The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations;** 

*JPMMT 2026-NQM1 Executive Summary (Selene Diligence)* <br>

![](ex9942_001.jpg)

**APPENDIX C– VALUATION REVIEW SCOPE**

Selene reviewed the valuation materials utilized during the origination of the loan which confirmed the value of the underlying property. Selene verified the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities; and (viii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same.

If more than one valuation is provided for review, Selene confirmed consistency among the valuation products and if there are discrepancies that cannot be resolved, Selene created an exception and worked with the Client on the next steps, which may include ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Selene's review results in a variance of more than 10% then the Client shall be notified of such variance and a second independent valuation product shall be ordered. On all loans, Selene makes a determination as to whether appraised value is supported based on documentation available at the time of review and adds exceptions or comments as appropriate.

Selene confirmed consistency among the valuation products and where applicable, if there was a discrepancy in value between two appraisals in the form of a variance greater than 10%, Selene would review the file for a desktop analysts/evaluation of the appraisals and determine which appraised value was used for qualification purposes. If there were discrepancies that could not be resolved, Selene created an exception and worked with the client on the next steps for resolution.

Disclaimer

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The individuals performing the aforementioned original appraisal assessment are
not persons providing valuations for purposes of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily
licensed as appraisers under Federal or State law, and the services being performed by such persons do not constitute "appraisal
reviews" for purposes of USPAP or Federal or State law.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Selene makes no representation or warranty as to the value of any mortgaged property, notwithstanding
that Selene may have reviewed valuation information for reasonableness.

o Selene is not an 'AMC' (appraisal management company) and therefore Selene does not opine on

the actual value of the underlying property.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Selene is not a 'creditor' within the meaning of ECOA or other lending laws and regulations,
and therefore Selene will not have any communication with or responsibility to any individual consumer concerning property valuation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Selene does not confirm whether the appraiser is on the Freddie Mac exclusionary list.

*JPMMT 2026-NQM1 Executive Summary (Selene Diligence)* <br>

## Exhibit 99.43

[j.p. morgan acceptance corporation ii abs-15G](jpmmt-abs15g.htm)

**Exhibit 99.43**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX |  | 304639283 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304668416 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304642284 | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304631912 | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304631912 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304631912 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304498077 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304498077 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304709110 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304719901 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304734521 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304733109 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304734540 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304730950 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304730950 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304730950 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304759800 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304759800 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304757892 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304757892 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304734262 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304734262 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304758041 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304817894 | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304817894 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 304817894 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304817894 | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 304817894 | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 304817894 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304817894 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304789475 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304789475 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304821106 | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX |  | 304821106 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304825246 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304825246 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304825246 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304825255 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304859552 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304859552 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 304859552 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304859552 | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 304859552 | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 304840487 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304840487 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304845630 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304845630 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304840486 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304757893 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304757893 | XXXX | XXXX | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 304757893 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304825248 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304845665 | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304845665 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304867496 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304847022 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304847022 | XXXX | XXXX | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 304847022 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304847022 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304840469 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304840469 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304849043 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304840485 | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304862227 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304862227 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304849246 | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304849246 | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304849246 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304849246 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 304849246 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304849245 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 304849245 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304845623 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304845623 | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX |  | 304859627 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304859627 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304859627 | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 304859627 | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 304859627 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304893312 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304893368 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304893368 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304893248 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304893248 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304902747 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304902747 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304902747 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304847838 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304847838 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304893196 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304893196 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |

---

## Exhibit 99.44

[j.p. morgan acceptance corporation ii abs-15G](jpmmt-abs15g.htm)

**Exhibit 99.44**

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXX | XXXX |  | 304639283 | Closed | 2025-03-18 03:17 | 2025-04-03 05:03 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-04/03/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-04/02/2025 <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount. - Due Diligence Vendor-03/18/2025 |  | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-04/03/2025 | XXXX |  |  | MO | Investment | Refinance | Cash Out - Other | 3633209 | N/A | N/A |
| XXXX | XXXX |  | 304668416 | Closed | 2025-03-24 23:45 | 2025-03-28 14:04 | Waived | 2 - Non-Material C B | Credit | Eligibility | Non-Arm's Length Transactions Not Allowed for Program | Waived-Exception Approved - Due Diligence Vendor-03/28/2025 <br> Unable to Resolve-Unable to Resolve-XXXX approves exception - Buyer-03/28/2025 <br> Open-We have an approved exception in file on page #589 for "Exception approved to proceed with NAL transaction on DSCR. Borrower does not have direct family or business relationship with seller and no conflict of interest, but did know about the owner passing and the home going into probate so was able to offer to buy without open marketing. Borrower owns primary that is superior." Recommends waiving. - Due Diligence Vendor-03/25/2025 |  | Waived-Exception Approved - Due Diligence Vendor-03/28/2025<br>|  |  | Originator Comp Factors:<br> 1. Borrower(s) have 125.26 months Reserves. Minimum required per guidelines is 3 months.<br> 2. Credit Score is 715. Minimum required per guidelines is 700.<br> 3. DSCR is 1.174. Minimum required per guidelines is 1. | OK | Investment | Purchase | NA | 3685728 | Investor Post-Close | No |
| XXXX | XXXX |  | 304631912 | Closed | 2025-04-15 09:35 | 2025-04-16 11:21 | Acknowledged | 2 - Non-Material D B | Compliance | Missing Doc | The Final 1003 is Incomplete | Acknowledged-XXXX Acknowledges - Due Diligence Vendor-04/16/2025 <br> Ready for Review-XXXX Agrees to waive; please downgrade to a Non-Material Grade 2 - Buyer-04/15/2025 <br> Open-Business is on title, need final 1003 for business. - Due Diligence Vendor-04/15/2025 |  | Acknowledged-XXXX Acknowledges - Due Diligence Vendor-04/16/2025 |  |  |  | OH | Investment | Refinance | No Cash Out - Borrower Initiated | 3867727 | Investor Post-Close | No |
| XXXX | XXXX |  | 304692881 | Closed | 2025-05-06 06:57 | 2025-05-15 17:11 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc | Missing Notice to Home Loan Applicant | Acknowledged-Proof of delivery provided.XXXXacknowledges delivery post-close. - Due Diligence Vendor-05/15/2025 <br>Ready for Review-Document Uploaded. Please see the attached document as proof of delivery post-closing. Kindly downgrade and waive this finding. - Buyer-05/13/2025 <br>Open-Home loan toll kit is missing in file. - Due Diligence Vendor-05/06/2025 |  | Acknowledged-Proof of delivery provided.XXXXacknowledges delivery post-close. - Due Diligence Vendor-05/15/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 4054369 | Originator Post-Close | No |
| XXXX | XXXX |  | 304692881 | Closed | 2025-05-06 06:56 | 2025-05-15 17:10 | Acknowledged | 2 - Non-Material D B | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Acknowledged-Proof of delivery provided.XXXXacknowledges delivery post-close. - Due Diligence Vendor-05/15/2025 <br>Ready for Review-Document Uploaded. Please see the attached document as proof of delivery post-closing. Kindly downgrade and waive this finding. - Buyer-05/13/2025 <br>Open-Homeownership Counseling disclosure is missing in file. - Due Diligence Vendor-05/06/2025 |  | Acknowledged-Proof of delivery provided.XXXXacknowledges delivery post-close. - Due Diligence Vendor-05/15/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 4054362 | Originator Post-Close | No |
| XXXX | XXXX |  | 304692881 | Closed | 2025-05-06 03:50 | 2025-05-09 07:42 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.455%) APR equals or exceeds the Federal HPML threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s 692 An interior and exterior appraisal was completed for this property – see pg 110, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 95, and copy of the appraisal was given to the borrower – see Pg#'s 1326 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/06/2025 |  | Resolved-The loan's (8.455%) APR equals or exceeds the Federal HPML threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s 692 An interior and exterior appraisal was completed for this property – see pg 110, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 95, and copy of the appraisal was given to the borrower – see Pg#'s 1326 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/06/2025<br>|  |  |  | FL | Primary Residence | Purchase | NA | 4053102 | N/A | N/A |
| XXXX | XXXX |  | 304498077 | Closed | 2025-05-19 09:23 | 2025-07-18 17:46 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing Lease Agreement | Waived-Exception Approved - Due Diligence Vendor-07/18/2025 <br> Unable to Resolve-Unable to Resolve-XXXX approves exception. Borrower had 3 active leases out of 4 units at time of closing. Other lease is month to month. Monthly combined rent over 3 units has DSCR of 1.13. DSCR is much higher across 4 units. Comp Factors: 739 FICO, 79 mos reserves, 0x30 for 99 mos across 2 mtgs. - Seller-07/18/2025 <br> Counter-Leases provided are for different properties from the subject property - Due Diligence Vendor-06/27/2025 <br> Ready for Review-Document Uploaded. Updated leases provided - Seller-06/26/2025 <br> Counter-Received lease agreements, missing extension letters. For refinance transactions, an executed lease with no less than 3 months remaining at time of close is required for all units in the subject property. Month-to-month tenancy is not subject to this requirement with sufficient evidence (such as a signed extension letter). - Due Diligence Vendor-05/23/2025 <br> Ready for Review-Document Uploaded. Uploaded for review - Buyer-05/22/2025 <br> Open-Missing lease extension for units collecting XXXX and XXXX monthly - Due Diligence Vendor-05/19/2025 | Unable to Resolve-Unable to Resolve-XXXX approves exception. Borrower had 3 active leases out of 4 units at time of closing. Other lease is month to month. Monthly combined rent over 3 units has DSCR of 1.13. DSCR is much higher across 4 units. Comp Factors: 739 FICO, 79 mos reserves, 0x30 for 99 mos across 2 mtgs. - Seller-07/18/2025 <br> Ready for Review-Document Uploaded. Updated leases provided - Seller-06/26/2025 | Waived-Exception Approved - Due Diligence Vendor-07/18/2025<br>| XXXX |  | 739 FICO<br> 0x30 for 99 mos across 2 mtgs | NY | Investment | Refinance | Cash Out - Other | 4178718 | Investor Post-Close | No |
| XXXX | XXXX |  | 304498077 | Closed | 2025-05-16 06:40 | 2025-05-31 04:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Final signed Business Purpose Affidavit Disclosure Provided. Resolved - Due Diligence Vendor-05/31/2025 <br>Ready for Review-Document Uploaded. Uploaded for review - Seller-05/30/2025 <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Final signed Business Purpose Affidavit Disclosure is missing in file. - Due Diligence Vendor-05/16/2025 | Ready for Review-Document Uploaded. Uploaded for review - Seller-05/30/2025<br>| Resolved-Final signed Business Purpose Affidavit Disclosure Provided. Resolved - Due Diligence Vendor-05/31/2025<br>| XXXX |  |  | NY | Investment | Refinance | Cash Out - Other | 4161860 | N/A | N/A |
| XXXX | XXXX |  | 304498077 | Closed | 2025-05-16 05:07 | 2025-05-27 10:48 | Resolved | 1 - Information C A | Compliance | Disclosure | Data Discrepancy: Prepayment Penalty on Closing Disclosure Incorrect | Resolved-Document received, data updated. - Due Diligence Vendor-05/27/2025 <br> Ready for Review-Document Uploaded. Uploaded for review - Seller-05/24/2025 <br> Open-Prepayment Penalty on Closing Disclosure does not match the prepayment penalty calculation on the Note. As per prepayment rider PPP cal is 3% for 36 months and resulted with $XXXX and as per HUD PP is $XXXX. - Due Diligence Vendor-05/16/2025 | Ready for Review-Document Uploaded. Uploaded for review - Seller-05/24/2025<br>| Resolved-Document received, data updated. - Due Diligence Vendor-05/27/2025<br>| XXXX |  |  | NY | Investment | Refinance | Cash Out - Other | 4161234 | N/A | N/A |
| XXXX | XXXX |  | 304498077 | Closed | 2025-05-16 04:48 | 2025-05-23 03:22 | Resolved | 1 - Information B A | Credit | Doc Issue | Prepayment Notice is Missing | Resolved-Prepayment Addendum to Note uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/23/2025 <br>Ready for Review-Document Uploaded. Uploaded for review - Seller-05/22/2025 <br>Open-Prepayment penalty addendum for Note is missing in file. - Due Diligence Vendor-05/16/2025 | Ready for Review-Document Uploaded. Uploaded for review - Seller-05/22/2025<br>| Resolved-Prepayment Addendum to Note uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/23/2025<br>| XXXX |  |  | NY | Investment | Refinance | Cash Out - Other | 4161161 | N/A | N/A |
| XXXX | XXXX |  | 304692737 | Closed | 2025-05-18 21:50 | 2025-06-16 02:25 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-B2 Initial 1003 Provided. - Due Diligence Vendor-06/16/2025 <br>Ready for Review-Document Uploaded. Please review upload - Buyer-06/13/2025 <br>Counter-Initial 1003 not attached. - Due Diligence Vendor-06/05/2025 <br>Ready for Review-Document Uploaded. Uploaded for review - Buyer-06/04/2025 <br>Open-The Initial 1003 is Missing B2 initial 1003 is missing in file. <br> - Due Diligence Vendor-05/19/2025 |  | Resolved-B2 Initial 1003 Provided. - Due Diligence Vendor-06/16/2025<br>| XXXX |  |  | WA | Primary Residence | Purchase | NA | 4174696 | N/A | N/A |
| XXXX | XXXX |  | 304692737 | Closed | 2025-05-19 00:41 | 2025-06-05 05:31 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-fico mis match from credit report to 1008, Provided Updated 1008, Changes made in system, Finding Resolved - Due Diligence Vendor-06/05/2025 <br>Resolved-Validation Resolved - Due Diligence Vendor-06/05/2025 <br>Ready for Review-Document Uploaded. Upldated 1008 Provided - Buyer-06/04/2025 <br>Open-Qualifying FICO on the 1008 Page is '790' or blank, but the Qualifying FICO from the Credit Liabilities Page is '808' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO on the 1008 Page is '790', whereas Qualifying FICO from the Credit Liabilities Page is '808' by selecting fico method as Primary wage earner. <br> - Due Diligence Vendor-05/19/2025 |  | Resolved-fico mis match from credit report to 1008, Provided Updated 1008, Changes made in system, Finding Resolved - Due Diligence Vendor-06/05/2025 <br>Resolved-Validation Resolved - Due Diligence Vendor-06/05/2025<br>| XXXX |  |  | WA | Primary Residence | Purchase | NA | 4175016 | N/A | N/A |
| XXXX | XXXX |  | 304692737 | Closed | 2025-05-19 01:40 | 2025-06-05 03:16 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Requested PCCD Provided with updated Disbursement date that is after Notary date.<br> - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. Uploaded for review - Buyer-06/04/2025 <br> Open-TRID: Missing Final Closing Disclosure Provided final CD disbursement date is on XXXX which is prior to Notary date XXXX. Require updated final CD with corrected disbursement date. - Due Diligence Vendor-05/19/2025 |  | Resolved-Requested PCCD Provided with updated Disbursement date that is after Notary date.<br> - Due Diligence Vendor-06/05/2025<br>| XXXX |  |  | WA | Primary Residence | Purchase | NA | 4175162 | N/A | N/A |
| XXXX | XXXX |  | 304692737 | Closed | 2025-05-19 04:24 | 2025-05-28 04:16 | Resolved | 1 - Information B A | Credit | Doc Issue | Settlement Service Provider List is Missing | Resolved-Settlement Service Provider List document provided. - Due Diligence Vendor-05/28/2025 <br>Ready for Review-Document Uploaded. Uploaded for review - Buyer-05/28/2025 <br>Open-Settlement Service Provider List is Missing in file. - Due Diligence Vendor-05/19/2025 |  | Resolved-Settlement Service Provider List document provided. - Due Diligence Vendor-05/28/2025<br>| XXXX |  |  | WA | Primary Residence | Purchase | NA | 4175575 | N/A | N/A |
| XXXX | XXXX |  | 304692737 | Closed | 2025-05-19 00:50 | 2025-05-28 04:06 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Freddie SSR with score of 2.5 provided. Updated & finding resolved. - Due Diligence Vendor-05/28/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-05/28/2025 <br>Ready for Review-Document Uploaded. Freddie SSR shows score of 2.5 - Seller-05/28/2025 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Secondary Valuation CU score exceeds 2.5 score. Please update. - Due Diligence Vendor-05/19/2025 | Ready for Review-Document Uploaded. Freddie SSR shows score of 2.5 - Seller-05/28/2025<br>| Resolved-Freddie SSR with score of 2.5 provided. Updated & finding resolved. - Due Diligence Vendor-05/28/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-05/28/2025<br>| XXXX |  |  | WA | Primary Residence | Purchase | NA | 4175025 | N/A | N/A |
| XXXX | XXXX |  | 304692737 | Closed | 2025-05-19 02:37 | 2025-06-05 03:15 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.156%) APR equals or exceeds the Federal HPML threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s377, 411. Final Closing disclosure on Pg#'116 Rate lock doc on pg-103, 448. An interior and exterior appraisal was completed for this property on pg-28. A copy of the appraisal was given to the borrower on pgs-516. confirmation the appraisal was delivered to the borrower – see Pg#'s 21-26. The loan meets HPML Guidelines, resolved. - Due Diligence Vendor-06/05/2025 <br>Open- - Due Diligence Vendor-06/05/2025 <br>Resolved-The loan's (9.156%) APR equals or exceeds the Federal HPML threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly <br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Rate lock date was entered correctly. <br> Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s377, 411. <br> Final Closing disclosure on Pg#'116<br> Rate lock doc on pg-103, 448. <br> An interior and exterior appraisal was completed for this property on pg-28. <br> A copy of the appraisal was given to the borrower on pgs-516. <br> confirmation the appraisal was delivered to the borrower – see Pg#'s 21-26. <br> The loan meets HPML Guidelines, resolved. <br> - Due Diligence Vendor-05/19/2025 |  | Resolved-The loan's (9.156%) APR equals or exceeds the Federal HPML threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s377, 411. Final Closing disclosure on Pg#'116 Rate lock doc on pg-103, 448. An interior and exterior appraisal was completed for this property on pg-28. A copy of the appraisal was given to the borrower on pgs-516. confirmation the appraisal was delivered to the borrower – see Pg#'s 21-26. The loan meets HPML Guidelines, resolved. - Due Diligence Vendor-06/05/2025 <br>Resolved-The loan's (9.156%) APR equals or exceeds the Federal HPML threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly <br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Rate lock date was entered correctly. <br> Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s377, 411. <br> Final Closing disclosure on Pg#'116<br> Rate lock doc on pg-103, 448. <br> An interior and exterior appraisal was completed for this property on pg-28. <br> A copy of the appraisal was given to the borrower on pgs-516. <br> confirmation the appraisal was delivered to the borrower – see Pg#'s 21-26. <br> The loan meets HPML Guidelines, resolved. <br> - Due Diligence Vendor-05/19/2025<br>|  |  |  | WA | Primary Residence | Purchase | NA | 4175268 | N/A | N/A |
| XXXX | XXXX |  | 304709110 | Closed | 2025-06-04 00:31 | 2025-06-12 04:26 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.431%) APR equals or exceeds the Federal HPML threshold of (8.24%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.74%).(12 CFR 1026.35(a)(1)(i)) \*\*\*Provide appraisal delivery acknowledgement missing in file\*\*\*\*\* This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 366 and the Final Closing disclosure on Pg#'s 76, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 412. An interior and exterior appraisal was completed for this property – see pg 17, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 534, and confirmation the appraisal was delivered to the borrower – see Pg#'s Findings missing - Due Diligence Vendor-06/12/2025 <br>Ready for Review-Document Uploaded. Appraisal Delivery Emails uploaded for review. - Seller-06/11/2025 <br>Ready for Review-Is this condition not asking for the same thing? 'Provide borrower delivery acknowledgement for appraisal missing in file' - Seller-06/11/2025 <br>Counter-proof of appraisal sent to bwr is not in file. we have disclosure stating they want it but not that it was sent - Due Diligence Vendor-06/11/2025 <br>Ready for Review-Duplicate - Buyer-06/10/2025 <br>Open-The loan's (9.431%) APR equals or exceeds the Federal HPML threshold of (8.24%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.74%).(12 CFR 1026.35(a)(1)(i)) \*\*\*Provide appraisal delivery acknowledgement missing in file\*\*\*\*\*<br> This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 366 and the Final Closing disclosure on Pg#'s 76, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 412. An interior and exterior appraisal was completed for this property – see pg 17, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 534, and confirmation the appraisal was delivered to the borrower – see Pg#'s xxx missing - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. Appraisal Delivery Emails uploaded for review. - Seller-06/11/2025 <br>Ready for Review-Is this condition not asking for the same thing? 'Provide borrower delivery acknowledgement for appraisal missing in file' - Seller-06/11/2025<br>| Resolved-The loan's (9.431%) APR equals or exceeds the Federal HPML threshold of (8.24%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.74%).(12 CFR 1026.35(a)(1)(i)) \*\*\*Provide appraisal delivery acknowledgement missing in file\*\*\*\*\* This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 366 and the Final Closing disclosure on Pg#'s 76, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 412. An interior and exterior appraisal was completed for this property – see pg 17, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 534, and confirmation the appraisal was delivered to the borrower – see Pg#'s Findings missing - Due Diligence Vendor-06/12/2025<br>| XXXX |  |  | IN | Primary Residence | Purchase | NA | 4327342 | N/A | N/A |
| XXXX | XXXX |  | 304709110 | Closed | 2025-06-04 22:23 | 2025-06-12 04:25 | Resolved | 1 - Information B A | Credit | Doc Issue | Borrower Certification of Appraisal Delivery is Missing | Resolved-Requested Appraisal Delivery Email Provided hence resolved. - Due Diligence Vendor-06/12/2025 <br>Ready for Review-Document Uploaded. Appraisal Delivery Emails uploaded for review. - Seller-06/11/2025 <br>Open-Provide borrower delivery acknowledgement for appraisal missing in file - Due Diligence Vendor-06/05/2025 | Ready for Review-Document Uploaded. Appraisal Delivery Emails uploaded for review. - Seller-06/11/2025<br>| Resolved-Requested Appraisal Delivery Email Provided hence resolved. - Due Diligence Vendor-06/12/2025<br>| XXXX |  |  | IN | Primary Residence | Purchase | NA | 4340505 | N/A | N/A |
| XXXX | XXXX |  | 304709110 | Closed | 2025-06-03 22:25 | 2025-06-12 04:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Requested 3rd Party VOE that is within the 10 Business days from closing provided hence resolved. - Due Diligence Vendor-06/12/2025 <br> Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. VOE uploaded for review. - Buyer-06/11/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide Borrower 1 recent 3rd Party VOE missing in file. (VOE on page#738 is signed on XXXX) - Due Diligence Vendor-06/04/2025 |  | Resolved-Requested 3rd Party VOE that is within the 10 Business days from closing provided hence resolved. - Due Diligence Vendor-06/12/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-06/12/2025<br>| XXXX |  |  | IN | Primary Residence | Purchase | NA | 4327028 | N/A | N/A |
| XXXX | XXXX |  | 304709110 | Closed | 2025-06-03 22:41 | 2025-06-11 06:03 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History met as provided VOR for current house for 1 month and previous address has 2 yrs borrower lived with his husband, recently Divorced and moved to new house which is present borrower current address and we have lox for the same - Due Diligence Vendor-06/11/2025 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-06/11/2025 <br> Ready for Review-Document Uploaded. VOR upload along with LOX showing borrower previously lived with Husband. Borrower was not responsible housing expense when living with husband. Cleared byXXXXunderwriter. - Seller-06/10/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Borrower recently moved to XXXX XXXX after divorcePage#280. Housing history for earlier address XXXX XXXX not confirming the no primary housing expense or Sharing rent. provide documentation - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. VOR upload along with LOX showing borrower previously lived with Husband. Borrower was not responsible housing expense when living with husband. Cleared byXXXXunderwriter. - Seller-06/10/2025<br>| Resolved-Housing History met as provided VOR for current house for 1 month and previous address has 2 yrs borrower lived with his husband, recently Divorced and moved to new house which is present borrower current address and we have lox for the same - Due Diligence Vendor-06/11/2025 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-06/11/2025<br>| XXXX |  |  | IN | Primary Residence | Purchase | NA | 4327067 | N/A | N/A |
| XXXX | XXXX |  | 304719901 | Closed | 2025-06-16 05:05 | 2025-06-30 11:18 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Acknowledged-XXXX Acknowledges - Due Diligence Vendor-06/30/2025 <br> Ready for Review-This condition is an EV2, so we can simply acknowledge the immaterial grade. - Buyer-06/26/2025 <br> Open-Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure, but indicator is not selected as Present. Review this requirement. Missing Anti-Steering Disclosure. - Due Diligence Vendor-06/16/2025 |  | Acknowledged-XXXX Acknowledges - Due Diligence Vendor-06/30/2025 |  |  |  | MO | Primary Residence | Purchase | NA | 4454466 | Originator Post-Close | No |
| XXXX | XXXX |  | 304719901 | Closed | 2025-06-16 05:08 | 2025-06-16 05:13 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.972%) APR equals or exceeds the Federal HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s __635__ and the Final Closing disclosure on Pg#'s _276___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _730____ An interior and exterior appraisal was completed for this property – see pg __90__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s__90_ , and copy of the appraisal was given to the borrower – see Pg#'s _90____ for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-06/16/2025 |  | Resolved-The loan's (8.972%) APR equals or exceeds the Federal HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s __635__ and the Final Closing disclosure on Pg#'s _276___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _730____ An interior and exterior appraisal was completed for this property – see pg __90__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s__90_ , and copy of the appraisal was given to the borrower – see Pg#'s _90____ for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-06/16/2025<br>|  |  |  | MO | Primary Residence | Purchase | NA | 4454480 | N/A | N/A |
| XXXX | XXXX |  | 304734521 | Closed | 2025-06-30 09:20 | 2025-07-02 10:56 | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Business Purpose Affidavit is Missing | Acknowledged-XXXX Acknowledges - Due Diligence Vendor-07/02/2025 <br> Ready for Review-Seller cannot produce,XXXXacknowledged. Please downgrade to Non-Material Grade 2<br> - Buyer-07/01/2025 <br> Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Present'. Business Purpose Affidavit is required for a DSCR loan. Business Purpose & Occupancy Affidavit – signed at submission is missing - Due Diligence Vendor-06/30/2025 |  | Acknowledged-XXXX Acknowledges - Due Diligence Vendor-07/02/2025 |  |  |  | PA | Investment | Purchase | NA | 4602607 | Investor Post-Close | No |
| XXXX | XXXX |  | 304733109 | Closed | 2025-07-03 12:25 | 2025-07-17 16:23 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Unable to Resolve-Client elects to waive with compensating factors. - Due Diligence Vendor-07/17/2025 <br> Unable to Resolve-Unable to Resolve-Document Uploaded.XXXXapproves exception - Seller-07/17/2025 <br> Ready for Review-Document Uploaded. Exception for seller credit uploaded - Seller-07/16/2025 <br> Counter-The Exception provided does not address the seller concessions. - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. Please review upload - Buyer-07/10/2025 <br> Open-Loan does not conform to program guidelines There are two (2) issues that do not meet program guidelines. First is the DSCR of 1.150 which is below the minimum DSCR of 1.25 for the Correspondent DSCR 5-9 Unit program. There is an XXXX Exception Review Form on p 285 & 498 however there is noXXXXException approval in file. Secondly, per the GL Matrix, Seller Concessions are allowed up to 3% towards closing however a Seller Credit of $XXXX is reflected on p 3 of the Final CD which is greater than 3% ($XXXX / SP $XXXX = 5.98% concession). - Due Diligence Vendor-07/03/2025 | Unable to Resolve-Unable to Resolve-Document Uploaded.XXXXapproves exception - Seller-07/17/2025 <br>Ready for Review-Document Uploaded. Exception for seller credit uploaded - Seller-07/16/2025<br>| Waived-Unable to Resolve-Client elects to waive with compensating factors. - Due Diligence Vendor-07/17/2025<br>| XXXX |  | Compensating Factors: FICO 783 (min 720),Mortgage history on the other REO of 0x30x51 and on primary mortgage of 0x30x50. | TX | Investment | Purchase | NA | 4655603 | Investor Post-Close | No |
| XXXX | XXXX |  | 304733109 | Closed | 2025-06-30 05:03 | 2025-07-09 08:27 | Resolved | 1 - Information C A | Compliance | Disclosure | Data Discrepancy: Prepayment Penalty on Closing Disclosure Incorrect | Resolved-PCCD provided in Findings: XXXX with PPP of $XXXX that matches the PPP on the Note screen. Resolved. - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. uploaded for review - Buyer-07/07/2025 <br> Open-Prepayment Penalty on Closing Disclosure does not match the prepayment penalty calculation on the Note. Discrepancy in the PPP figure. The PPP on the Note screen reflects $XXXX and the PPP on the Final CD reflects $XXXX. <br> - Due Diligence Vendor-06/30/2025 |  | Resolved-PCCD provided in Findings: XXXX with PPP of $XXXX that matches the PPP on the Note screen. Resolved. - Due Diligence Vendor-07/09/2025 | XXXX |  |  | TX | Investment | Purchase | NA | 4598968 | N/A | N/A |
| XXXX | XXXX |  | 304733109 | Closed | 2025-07-03 11:11 | 2025-07-09 08:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Both Initial and Final Business Disclosures were provided in Findings. Resolved. - Due Diligence Vendor-07/09/2025 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-07/09/2025 <br>Ready for Review-Document Uploaded. Both initial and signed at closing have been provided - Buyer-07/08/2025 <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. - Due Diligence Vendor-07/08/2025 <br>Ready for Review-Document Uploaded. Uploaded for review - Seller-07/07/2025 <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. The Initial Business Purpose Affidavit is missing. - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. Uploaded for review - Seller-07/07/2025<br>| Resolved-Both Initial and Final Business Disclosures were provided in Findings. Resolved. - Due Diligence Vendor-07/09/2025 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-07/09/2025<br>| XXXX |  |  | TX | Investment | Purchase | NA | 4654101 | N/A | N/A |
| XXXX | XXXX |  | 304733109 | Closed | 2025-07-03 12:17 | 2025-07-08 09:28 | Resolved | 1 - Information C A | Credit | Credit | Corporation/LLC: Operating Agreement Document is missing | Resolved-The IRS EIN reflects the borrower as Sole Member. Resolved. - Due Diligence Vendor-07/08/2025 <br>Ready for Review-operating agreement not required in state of texas - Buyer-07/07/2025 <br>Open-LLC docs are missing. (Only Certificate of Filing, Franchise Tax Status, and EIN provided.) - Due Diligence Vendor-07/03/2025 |  | Resolved-The IRS EIN reflects the borrower as Sole Member. Resolved. - Due Diligence Vendor-07/08/2025<br>|  |  |  | TX | Investment | Purchase | NA | 4655503 | N/A | N/A |
| XXXX | XXXX |  | 304733109 | Closed | 2025-07-03 12:19 | 2025-07-08 08:12 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Rate lock provided in Findings:XXXX. Resolved. - Due Diligence Vendor-07/08/2025 <br> Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-07/08/2025 <br> Ready for Review-Document Uploaded. uploaded for review - Seller-07/07/2025 <br> Open-Evidence of Rate Lock Missing The Lock Confirmation on p 289 reflects a FICO of 781 however the CR, p 175, reflects scores of 769/783/787. - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. uploaded for review - Seller-07/07/2025<br>| Resolved-Rate lock provided in Findings:XXXX. Resolved. - Due Diligence Vendor-07/08/2025 <br> Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-07/08/2025 | XXXX |  |  | TX | Investment | Purchase | NA | 4655533 | N/A | N/A |
| XXXX | XXXX |  | 304733109 | Closed | 2025-06-26 23:50 | 2025-07-08 04:05 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated 1008 with correct FICO provided. Resolved - Due Diligence Vendor-07/08/2025 <br> Ready for Review-Document Uploaded. Uploaded for review - Buyer-07/07/2025 <br> Open-Qualifying FICO on the 1008 Page is '781' or blank, but the Qualifying FICO from the Credit Liabilities Page is '783' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. The 1008 reflects a FICO of 781 however the CR, p 175, reflects scores of 769/783/787. Per GL Matrix, the Qualifying FICO: Lower mid score of all borrowers / guarantors. Lower mid score FICO = 783. - Due Diligence Vendor-06/27/2025 |  | Resolved-Updated 1008 with correct FICO provided. Resolved - Due Diligence Vendor-07/08/2025<br>| XXXX |  |  | TX | Investment | Purchase | NA | 4581308 | N/A | N/A |
| XXXX | XXXX |  | 304733109 | Closed | 2025-06-27 01:19 | 2025-07-08 03:57 | Resolved | 1 - Information C A | Credit | Credit | Borrower 1 spouse has not approved transaction | Resolved-Spousal consent not required on DSCR loans. Resolved - Due Diligence Vendor-07/08/2025 <br>Ready for Review-not required on BPL loans - Buyer-07/07/2025 <br>Open-The Spousal consent is missing. In AK, AZ, ID, LA, NM, TX, WA, when a personal guaranty is present, then evidence of spousal consent is also required.<br> - Due Diligence Vendor-06/27/2025 |  | Resolved-Spousal consent not required on DSCR loans. Resolved - Due Diligence Vendor-07/08/2025<br>|  |  |  | TX | Investment | Purchase | NA | 4581577 | N/A | N/A |
| XXXX | XXXX |  | 304733109 | Closed | 2025-07-03 12:02 | 2025-07-07 14:50 | Acknowledged | 2 - Non-Material D B | Compliance | Missing Doc | The Final 1003 is Missing | Acknowledged-XXXX Acknowledges - Due Diligence Vendor-07/07/2025 <br> Unable to Resolve-Unable to Resolve-XXXX Acknowledged; please downgrade to a Non-Material Grade 2 - Seller-07/07/2025 <br> Open-The Final 1003 is Missing The Note is signed by a member of the LLC. 1003 required for Business Entity. - Due Diligence Vendor-07/03/2025 | Unable to Resolve-Unable to Resolve-XXXX Acknowledged; please downgrade to a Non-Material Grade 2 - Seller-07/07/2025 | Acknowledged-XXXX Acknowledges - Due Diligence Vendor-07/07/2025 |  |  |  | TX | Investment | Purchase | NA | 4655225 | Investor Post-Close | No |
| XXXX | XXXX |  | 304734540 | Closed | 2025-07-07 06:05 | 2025-07-09 20:40 | Waived | 2 - Non-Material B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived-Delinquent Credit History Does Not Meet Guideline Requirements Exception in file on page#1572 approved for 1x30 mortgage late on primary 2nd lien in past 12 mo. Late was isolated incident as only late in XXXX of credit history. Bwr LOE references change in bank and auto-draft as reason for error<br> - Due Diligence Vendor-07/07/2025 |  | Waived-Delinquent Credit History Does Not Meet Guideline Requirements Exception in file on page#1572 approved for 1x30 mortgage late on primary 2nd lien in past 12 mo. Late was isolated incident as only late in XXXX of credit history. Bwr LOE references change in bank and auto-draft as reason for error<br> - Due Diligence Vendor-07/07/2025 |  |  | \*DSCR is 1.23, Minimum required per guidelines is 1.<br> \*Borrower(s) have 257.92 months Reserves. Minimum required per guidelines is 3 months.<br> Fico 755 minimum per guidelines is 660 | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 4674137 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 304730950 | Closed | 2025-07-07 22:05 | 2025-07-18 06:35 | Resolved | 1 - Information C A | Compliance | Closing | The Deed of Trust is Not Executed | Resolved-The Deed of Trust is Executed - Due Diligence Vendor-07/18/2025 <br>Ready for Review-Document Uploaded. Please see the attached DOT - Buyer-07/17/2025 <br>Open-The Deed of Trust is Not Executed Final Deed of Trust is not executed - Due Diligence Vendor-07/08/2025 |  | Resolved-The Deed of Trust is Executed - Due Diligence Vendor-07/18/2025<br>| XXXX |  |  | MD | Investment | Refinance | No Cash Out - Borrower Initiated | 4717678 | N/A | N/A |
| XXXX | XXXX |  | 304730950 | Closed | 2025-07-07 00:58 | 2025-07-18 06:34 | Resolved | 1 - Information C A | Compliance | Closing | The Note is Not Executed | Resolved-The Note is Executed - Due Diligence Vendor-07/18/2025 <br>Ready for Review-Document Uploaded. Please see the attached note - Buyer-07/17/2025 <br>Open-The Note is Not Executed - Due Diligence Vendor-07/07/2025 |  | Resolved-The Note is Executed - Due Diligence Vendor-07/18/2025<br>| XXXX |  |  | MD | Investment | Refinance | No Cash Out - Borrower Initiated | 4673005 | N/A | N/A |
| XXXX | XXXX |  | 304730950 | Closed | 2025-07-07 22:31 | 2025-07-18 00:57 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Final Closing Disclosure Provided - Due Diligence Vendor-07/18/2025 <br>Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-07/18/2025 <br>Ready for Review-Document Uploaded. Please see the attached - Seller-07/17/2025 <br>Open-TRID: Missing Final Closing Disclosure TRID: Final Closing Disclosure is not executed. - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. Please see the attached - Seller-07/17/2025<br>| Resolved-Final Closing Disclosure Provided - Due Diligence Vendor-07/18/2025 <br>Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-07/18/2025<br>| XXXX |  |  | MD | Investment | Refinance | No Cash Out - Borrower Initiated | 4717799 | N/A | N/A |
| XXXX | XXXX |  | 304730950 | Closed | 2025-07-06 23:23 | 2025-07-17 22:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Final Business Purpose Affidavit Disclosure document provided. - Due Diligence Vendor-07/18/2025 <br>Resolved-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Present', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Final Business Purpose Affidavit Disclosure document provided. - Due Diligence Vendor-07/18/2025 <br>Ready for Review-Document Uploaded. Please see the attached BUSINESS PURPOSE AFFIDAVIT - Buyer-07/17/2025 <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. final Business Purpose Affidavit Disclosure is Missing in file - Due Diligence Vendor-07/07/2025 |  | Resolved-Final Business Purpose Affidavit Disclosure document provided. - Due Diligence Vendor-07/18/2025 <br>Resolved-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Present', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Final Business Purpose Affidavit Disclosure document provided. - Due Diligence Vendor-07/18/2025<br>| XXXX |  |  | MD | Investment | Refinance | No Cash Out - Borrower Initiated | 4672773 | N/A | N/A |
| XXXX | XXXX |  | 304759800 | Closed | 2025-07-29 01:55 | 2025-08-04 07:38 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Signed DOT provided - Due Diligence Vendor-08/04/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-08/01/2025 <br>Open-The Deed of Trust is Missing in file. We need signed DOT. - Due Diligence Vendor-07/29/2025 |  | Resolved-Signed DOT provided - Due Diligence Vendor-08/04/2025<br>| XXXX |  |  | FL | Investment | Refinance | Cash Out - Other | 4975314 | N/A | N/A |
| XXXX | XXXX |  | 304759800 | Closed | 2025-07-29 02:38 | 2025-08-04 01:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy with premium amount provided. - Due Diligence Vendor-08/04/2025 <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-08/04/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-08/01/2025 <br>Open-Hazard Insurance Policy Partially Provided Hazard insurance premium amount is missing in insurance document, we need updated hazard insurance policy. - Due Diligence Vendor-07/29/2025 |  | Resolved-Hazard Insurance Policy with premium amount provided. - Due Diligence Vendor-08/04/2025 <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-08/04/2025<br>| XXXX |  |  | FL | Investment | Refinance | Cash Out - Other | 4975402 | N/A | N/A |
| XXXX | XXXX |  | 304759800 | Closed | 2025-07-29 01:44 | 2025-07-31 11:46 | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Business Purpose Affidavit is Missing | Acknowledged-XXXX Acknowledges - Due Diligence Vendor-07/31/2025 <br> Ready for Review-Seller cannot produce,XXXXacknowledged. Please downgrade to Non-Material Grade 2<br> - Buyer-07/30/2025 <br> Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Initial business purpose affidavit is missing in file, as loan type is DSCR we need Initial business purpose affidavit disclosure. - Due Diligence Vendor-07/29/2025 |  | Acknowledged-XXXX Acknowledges - Due Diligence Vendor-07/31/2025 |  |  |  | FL | Investment | Refinance | Cash Out - Other | 4975283 | Investor Post-Close | No |
| XXXX | XXXX |  | 304719727 | Closed | 2025-08-04 10:42 | 2025-08-06 07:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Updated brw DL provided expiry date is XXXX. resolved. - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. attached - Buyer-08/05/2025 <br> Open-Borrower 1 Citizenship Documentation Is Missing Brw ID provided shows expiry date of XXXX, note date is XXXX - Due Diligence Vendor-08/04/2025 |  | Resolved-Updated brw DL provided expiry date is XXXX. resolved. - Due Diligence Vendor-08/06/2025 | XXXX |  |  | AZ | Investment | Purchase | NA | 5043626 | N/A | N/A |
| XXXX | XXXX |  | 304719727 | Closed | 2025-08-03 23:01 | 2025-08-06 05:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Final Business Purpose documents is missing in file, Provided updated business Purpose document, changes made in system, Finding Resolved - Due Diligence Vendor-08/06/2025 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-08/06/2025 <br>Ready for Review-Document Uploaded. attached - Buyer-08/05/2025 <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Provide finally signed Business Purpose Affidavit Disclosure document which is missing from loan file. - Due Diligence Vendor-08/04/2025 |  | Resolved-Final Business Purpose documents is missing in file, Provided updated business Purpose document, changes made in system, Finding Resolved - Due Diligence Vendor-08/06/2025 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-08/06/2025<br>| XXXX |  |  | AZ | Investment | Purchase | NA | 5035748 | N/A | N/A |
| XXXX | XXXX |  | 304757892 | Closed | 2025-08-07 22:19 | 2025-08-18 10:36 | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Business Purpose Affidavit is Missing | Acknowledged-XXXX Acknowledges - Due Diligence Vendor-08/18/2025 <br> Ready for Review-Seller cannot produce,XXXXacknowledged. Please downgrade to Non-Material Grade 2<br> - Seller-08/13/2025 <br> Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Initial Business Purpose Affidavit is missing in file. - Due Diligence Vendor-08/08/2025 | Ready for Review-Seller cannot produce,XXXXacknowledged. Please downgrade to Non-Material Grade 2<br> - Seller-08/13/2025<br>| Acknowledged-XXXX Acknowledges - Due Diligence Vendor-08/18/2025 |  |  |  | FL | Investment | Purchase | NA | 5105308 | Investor Post-Close | No |
| XXXX | XXXX |  | 304757892 | Closed | 2025-08-07 23:35 | 2025-08-14 03:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Fraud Report is missing in file, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-08/14/2025 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-08/14/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-08/13/2025 <br>Open-Missing Third Party Fraud Report Third Party Fraud report is missing in file - Due Diligence Vendor-08/08/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/13/2025<br>| Resolved-Fraud Report is missing in file, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-08/14/2025 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-08/14/2025<br>| XXXX |  |  | FL | Investment | Purchase | NA | 5105625 | N/A | N/A |
| XXXX | XXXX |  | 304757892 | Closed | 2025-08-07 23:18 | 2025-08-14 03:47 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-second valuation missing in file, Provided the same, changes made in system, Finding Resolved<br> a - Due Diligence Vendor-08/14/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-08/14/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-08/13/2025 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Secondary valuation is missing in file - Due Diligence Vendor-08/08/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/13/2025<br>| Resolved-second valuation missing in file, Provided the same, changes made in system, Finding Resolved<br> a - Due Diligence Vendor-08/14/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-08/14/2025<br>| XXXX |  |  | FL | Investment | Purchase | NA | 5105562 | N/A | N/A |
| XXXX | XXXX |  | 304734262 | Closed | 2025-08-29 07:53 | 2025-08-29 07:53 | Waived | 2 - Non-Material B | Credit | Credit | Deficient subject rental income documentation. | Waived-Exception on page 974 approved for month-to-month leases with previous 12-month term is approved. Contingent on ledgers reflecting receipt of most 12 month rent. - Due Diligence Vendor-08/29/2025 |  | Waived-Exception on page 974 approved for month-to-month leases with previous 12-month term is approved. Contingent on ledgers reflecting receipt of most 12 month rent. - Due Diligence Vendor-08/29/2025<br>|  |  | DSCR is 1.362. Minimum required per guidelines is 1.25<br> Credit Score is 740. Minimum required per guidelines is 680.<br> Housing history-0x30x50 minimum per guidelines is 0x30x24 | WI | Investment | Refinance | Cash Out - Other | 5360033 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 304734262 | Closed | 2025-08-28 07:55 | 2025-08-29 07:51 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Made exception on pg 973 for transferred appraisal completed after application date is approved. Appraisal dated XXXX with appl date of XXXX: Application date is XXXX, appraisal date is XXXX which is after the application date<br> - Due Diligence Vendor-08/28/2025 |  | Waived-Made exception on pg 973 for transferred appraisal completed after application date is approved. Appraisal dated XXXX with appl date of XXXX: Application date is XXXX, appraisal date is XXXX which is after the application date<br> - Due Diligence Vendor-08/28/2025 |  |  | DSCR is 1.362. Minimum required per guidelines is 1.25<br> Credit Score is 740. Minimum required per guidelines is 680.<br> Housing history-0x30x50 minimum per guidelines is 0x30x24 | WI | Investment | Refinance | Cash Out - Other | 5345591 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 304789475 | Closed | 2025-09-12 15:51 | 2025-09-29 13:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-09/26/2025 <br> Resolved-Evidence of Property Tax provided which is matching with HUD document. Updated & Resolved. - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Document Uploaded. Please see attached.<br> - Buyer-09/25/2025 <br> Open-Missing Evidence of Property Tax Tax certificate is available in file but premium of $XXXX is not matching with FPL and Final Settlement statement $XXXX . Provide updated Tax certificate. - Due Diligence Vendor-09/12/2025 |  | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-09/26/2025 <br>Resolved-Evidence of Property Tax provided which is matching with HUD document. Updated & Resolved. - Due Diligence Vendor-09/26/2025<br>| XXXX |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 5523854 | N/A | N/A |
| XXXX | XXXX |  | 304789475 | Closed | 2025-09-12 15:51 | 2025-09-29 13:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Final Title policy document provided. - Due Diligence Vendor-09/26/2025 <br> Resolved-Title Document is fully Present - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Document Uploaded. Please see attached.<br> - Buyer-09/25/2025 <br> Open-Title Document is missing Only 1st page of Supplemental Report provided in file on page 561. Provide complete Title document. - Due Diligence Vendor-09/12/2025 |  | Resolved-Final Title policy document provided. - Due Diligence Vendor-09/26/2025 <br>Resolved-Title Document is fully Present - Due Diligence Vendor-09/26/2025<br>| XXXX |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 5523855 | N/A | N/A |
| XXXX | XXXX |  | 304789475 | Closed | 2025-09-16 14:55 | 2025-09-18 11:09 | Resolved | 1 - Information B A | Credit | Doc Issue | Occupancy Certification is Missing | Resolved-Lender provided occupancy affidavit. Finding resolved. - Due Diligence Vendor-09/18/2025 <br>Ready for Review-Document Uploaded. please see attached. - Buyer-09/17/2025 <br>Open-Occupancy affidavit is missing from file. - Due Diligence Vendor-09/16/2025 |  | Resolved-Lender provided occupancy affidavit. Finding resolved. - Due Diligence Vendor-09/18/2025<br>| XXXX |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 5560558 | N/A | N/A |
| XXXX | XXXX |  | 304821106 | Closed | 2025-09-23 14:58 | 2025-09-25 08:25 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan Amount does not meet eligibility requirement(s) | Waived-Formal exception in loan file. - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. Please review upload - Buyer-09/24/2025 <br> Open-The loan amount of $XXXX is less than the guideline minimum amount of $XXXX. Exception in file pg. 440<br>Compensating factors: <br> 705 FICO where 700 is the minimum<br> DSCR rate of 1.74 where 1.25 is the minimum - Due Diligence Vendor-09/23/2025 |  | Waived-Formal exception in loan file. - Due Diligence Vendor-09/25/2025<br>| XXXX |  | >24 months reserves, 705 FICO with all credit 0x30 for >20 years | IL | Investment | Purchase | NA | 5644669 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 304821106 | Closed | 2025-09-23 15:01 | 2025-09-25 08:23 | Acknowledged | 2 - Non-Material D B | Compliance | Missing Doc | The Final 1003 is Missing | Acknowledged-XXXXAcknowledged - Due Diligence Vendor-09/25/2025 <br>Unable to Resolve-Unable to Resolve-XXXXAcknowledged; please downgrade to a Non-Material Grade 2<br> XXXXapproves exception<br> - Buyer-09/24/2025 <br>Open-The Final 1003 is Missing Final 1003 for the LLC is missing from the file. - Due Diligence Vendor-09/23/2025 |  | Acknowledged-XXXXAcknowledged - Due Diligence Vendor-09/25/2025<br>|  |  |  | IL | Investment | Purchase | NA | 5644736 | Investor Post-Close | No |
| XXXX | XXXX |  | 304825246 | Closed | 2025-12-22 12:43 | 2025-12-22 12:47 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Closing Disclosure Business Day Waiting Period Date Warnings | Resolved-Resolved - Due Diligence Vendor-12/22/2025 <br> Open- - Due Diligence Vendor-12/22/2025 <br> Open-You submitted a Prior Closing Disclosure Received Date (XXXX) earlier than the Prior Closing Disclosure Date Issued (XXXX). The System cannot perform a Reg Z business day disclosure waiting period review without accurate dates. (12 CFR 1026.17(f); 1026.37; 1026.19(f); 1026.22(a)(2)) working mavent fails - Due Diligence Vendor-12/22/2025 <br> Open- - Due Diligence Vendor-12/22/2025 |  | Resolved-Resolved - Due Diligence Vendor-12/22/2025<br>|  |  |  | FL | Primary Residence | Purchase | NA | 6743831 | N/A | N/A |
| XXXX | XXXX |  | 304825246 | Closed | 2025-12-22 12:30 | 2025-12-22 12:46 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Closing Disclosure Business Day Waiting Period Date Warnings | Resolved- - Due Diligence Vendor-12/22/2025 <br> Open-You submitted a Last Closing Disclosure Received Date (XXXX) earlier than the Last Closing Disclosure Date Issued (XXXX). The System cannot perform a Regulation Z business day disclosure waiting period review without accurate dates. (12 CFR 1026.17(f); 1026.37; 1026.19(f); 1026.22(a)(2)) working mavent fails - Due Diligence Vendor-12/22/2025 <br> Open- - Due Diligence Vendor-12/22/2025 <br> Open-You submitted a Last Closing Disclosure Received Date (XXXX) earlier than the Last Closing Disclosure Date Issued (XXXX). The System cannot perform a Regulation Z business day disclosure waiting period review without accurate dates. (12 CFR 1026.17(f); 1026.37; 1026.19(f); 1026.22(a)(2)) - Due Diligence Vendor-12/22/2025 <br> Open- - Due Diligence Vendor-12/22/2025 |  | Resolved- - Due Diligence Vendor-12/22/2025<br>|  |  |  | FL | Primary Residence | Purchase | NA | 6743668 | N/A | N/A |
| XXXX | XXXX |  | 304825246 | Closed | 2025-12-22 12:30 | 2025-12-22 12:44 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved- - Due Diligence Vendor-12/22/2025 <br> Resolved- - Due Diligence Vendor-12/22/2025 <br> Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($XXXX), and general or specific lender credit increases of ($XXXX) were applied to the total fee variance of ($XXXX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-12/22/2025 <br> Open- - Due Diligence Vendor-12/22/2025 |  | Resolved- - Due Diligence Vendor-12/22/2025<br>|  |  |  | FL | Primary Residence | Purchase | NA | 6743669 | N/A | N/A |
| XXXX | XXXX |  | 304825246 | Closed | 2025-09-19 03:08 | 2025-09-26 05:49 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Borrower signed Initial Closing Disclosure provided. - Due Diligence Vendor-09/26/2025 <br>Ready for Review-Document Uploaded. This was in the file at time of submission - Buyer-09/25/2025 <br>Open-TRID: Missing Closing Disclosure TRID: Borrower signed Initial Closing Disclosure - Due Diligence Vendor-09/19/2025 |  | Resolved-Borrower signed Initial Closing Disclosure provided. - Due Diligence Vendor-09/26/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 5596314 | N/A | N/A |
| XXXX | XXXX |  | 304825255 | Closed | 2025-09-19 02:28 | 2025-10-22 07:43 | Resolved | 1 - Information C A | Compliance | Disclosure | Data Discrepancy: Prepayment Penalty on Closing Disclosure Incorrect | Resolved-Updated note provided - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. Please find updated Note and CD. Kindly, please clear as presented, thank you. - Seller-10/21/2025 <br> Open-Prepayment Penalty on Closing Disclosure does not match the prepayment penalty calculation on the Note. Prepayment Penalty on Closing Disclosure $XXXX does not match the prepayment penalty calculation on the Note.$XXXX - Due Diligence Vendor-09/19/2025 | Ready for Review-Document Uploaded. Please find updated Note and CD. Kindly, please clear as presented, thank you. - Seller-10/21/2025<br>| Resolved-Updated note provided - Due Diligence Vendor-10/22/2025<br>| XXXX |  |  | MD | Investment | Purchase | NA | 5596096 | N/A | N/A |
| XXXX | XXXX |  | 304825255 | Closed | 2025-09-18 22:34 | 2025-10-22 07:42 | Resolved | 1 - Information C A | Compliance | Closing | The Note is Not Executed | Resolved-The Note is Executed - Due Diligence Vendor-09/25/2025 <br>Ready for Review-Document Uploaded. - Seller-09/24/2025 <br>Open-The Note is Not Executed - Due Diligence Vendor-09/19/2025 | Ready for Review-Document Uploaded. - Seller-09/24/2025<br>| Resolved-The Note is Executed - Due Diligence Vendor-09/25/2025<br>| XXXX |  |  | MD | Investment | Purchase | NA | 5595205 | N/A | N/A |
| XXXX | XXXX |  | 304825255 | Closed | 2025-09-23 13:20 | 2025-09-25 06:12 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Executed final Cd provided - Due Diligence Vendor-09/25/2025 <br>Ready for Review-Document Uploaded. - Buyer-09/24/2025 <br>Open-TRID: Missing Closing Disclosure Final Cd in file is not executed - Due Diligence Vendor-09/23/2025 |  | Resolved-Executed final Cd provided - Due Diligence Vendor-09/25/2025<br>| XXXX |  |  | MD | Investment | Purchase | NA | 5642749 | N/A | N/A |
| XXXX | XXXX |  | 304825255 | Closed | 2025-09-18 22:15 | 2025-09-25 06:09 | Resolved | 1 - Information C A | Compliance | Closing | The Final 1003 is Not Executed | Resolved-The Final 1003 is Executed - Due Diligence Vendor-09/25/2025 <br>Ready for Review-Document Uploaded. - Seller-09/24/2025 <br>Open-The Final 1003 is Not Executed Final 1003 is Unexecuted. - Due Diligence Vendor-09/19/2025 | Ready for Review-Document Uploaded. - Seller-09/24/2025<br>| Resolved-The Final 1003 is Executed - Due Diligence Vendor-09/25/2025<br>| XXXX |  |  | MD | Investment | Purchase | NA | 5595131 | N/A | N/A |
| XXXX | XXXX |  | 304825255 | Closed | 2025-09-19 01:10 | 2025-09-25 06:09 | Resolved | 1 - Information C A | Compliance | Closing | The Deed of Trust is Not Executed | Resolved-The Deed of Trust is Executed - Due Diligence Vendor-09/25/2025 <br>Ready for Review-Document Uploaded. - Buyer-09/24/2025 <br>Open-The Deed of Trust is Not Executed - Due Diligence Vendor-09/19/2025 |  | Resolved-The Deed of Trust is Executed - Due Diligence Vendor-09/25/2025<br>| XXXX |  |  | MD | Investment | Purchase | NA | 5595771 | N/A | N/A |
| XXXX | XXXX |  | 304859552 | Closed | 2025-09-25 22:34 | 2025-10-06 04:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Citizenship Identification Documentation Missing | Resolved-Updated final 1003 uploaded showing correct citizenship status, Verified & entered in system - Resolved - Due Diligence Vendor-10/06/2025 <br>Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-10/06/2025 <br>Ready for Review-Document Uploaded. updated final 1003 showing correct citizenship status and copy of US passport. - Seller-10/03/2025 <br>Open-Borrower 2 Non-US Citizen Identification Document Missing. Please provide acceptable documentation. Borrower 2 is permeant resident alien, we have USA issued ID card in file but permeant resident card is missing in file. - Due Diligence Vendor-09/26/2025 | Ready for Review-Document Uploaded. updated final 1003 showing correct citizenship status and copy of US passport. - Seller-10/03/2025<br>| Resolved-Updated final 1003 uploaded showing correct citizenship status, Verified & entered in system - Resolved - Due Diligence Vendor-10/06/2025 <br>Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-10/06/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5679978 | N/A | N/A |
| XXXX | XXXX |  | 304859552 | Closed | 2025-09-25 23:08 | 2025-09-25 23:21 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.186%) equals or exceeds the California HPML threshold of (8.13%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.63%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 269, 298 and the Final Closing disclosure on Pg#'s 128. Rate lock date was entered correctly – see Pg#'s 275. An interior and exterior appraisal was completed for this property – see pg# 12, 23, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 309, and confirmation the appraisal was delivered to the borrower – see Pg#'s 161. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-09/26/2025 <br>Open- - Due Diligence Vendor-09/26/2025 <br>Open- - Due Diligence Vendor-09/26/2025 |  | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.186%) equals or exceeds the California HPML threshold of (8.13%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.63%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 269, 298 and the Final Closing disclosure on Pg#'s 128. Rate lock date was entered correctly – see Pg#'s 275. An interior and exterior appraisal was completed for this property – see pg# 12, 23, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 309, and confirmation the appraisal was delivered to the borrower – see Pg#'s 161. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-09/26/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5680131 | N/A | N/A |
| XXXX | XXXX |  | 304859552 | Closed | 2025-09-25 23:08 | 2025-09-25 23:20 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.186%) APR equals or exceeds the Federal HPML threshold of (8.13%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.63%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 269, 298 and the Final Closing disclosure on Pg#'s 128. Rate lock date was entered correctly – see Pg#'s 275. An interior and exterior appraisal was completed for this property – see pg# 12, 23, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 309, and confirmation the appraisal was delivered to the borrower – see Pg#'s 161. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-09/26/2025 <br>Open- - Due Diligence Vendor-09/26/2025 <br>Open- - Due Diligence Vendor-09/26/2025 |  | Resolved-The loan's (8.186%) APR equals or exceeds the Federal HPML threshold of (8.13%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.63%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 269, 298 and the Final Closing disclosure on Pg#'s 128. Rate lock date was entered correctly – see Pg#'s 275. An interior and exterior appraisal was completed for this property – see pg# 12, 23, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 309, and confirmation the appraisal was delivered to the borrower – see Pg#'s 161. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-09/26/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5680129 | N/A | N/A |
| XXXX | XXXX |  | 304845630 | Closed | 2025-09-26 03:59 | 2025-10-29 11:24 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved - Due Diligence Vendor-10/29/2025 <br>Open- - Due Diligence Vendor-10/29/2025 <br>Ready for Review-the flood cert should be included in the 10% tolerance category. Seller does not believe a cure is needed here. - Buyer-10/28/2025 <br>Open- - Due Diligence Vendor-09/30/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Flood Certification Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). COC or lender credits not provided for the increased fee. - Due Diligence Vendor-09/26/2025 <br>Open- - Due Diligence Vendor-09/26/2025 |  | Resolved-Resolved - Due Diligence Vendor-10/29/2025<br>|  |  |  | FL | Primary Residence | Purchase | NA | 5681505 | N/A | N/A |
| XXXX | XXXX |  | 304757893 | Closed | 2025-10-02 07:26 | 2025-10-20 13:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Resolved. Fraud report provided. - Due Diligence Vendor-10/20/2025 <br> Ready for Review-Document Uploaded. Please find documentation and explanation to clear this finding. Thank you. - Buyer-10/20/2025 <br> Counter-Real ID provided is not for this loan. Provide missing ID for Borrower 1, last name XXXX - Due Diligence Vendor-10/11/2025 <br> Ready for Review-Document Uploaded. Borrower provided a copy of his REAL ID, which proofs that he is a US Citizen. Copy of DL has been uploaded again. - Buyer-10/10/2025 <br> Open-Borrower 1 Citizenship Documentation Is Missing Borrower 1 citizenship document is missing in file. - Due Diligence Vendor-10/02/2025 |  | Resolved-Resolved. Fraud report provided. - Due Diligence Vendor-10/20/2025<br>| XXXX |  |  | MD | Investment | Refinance | No Cash Out - Borrower Initiated | 5748703 | N/A | N/A |
| XXXX | XXXX |  | 304845665 | Closed | 2025-10-08 15:11 | 2025-10-20 17:04 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-Delayed Purchase with the Seller on the Settlement Statement in Findings: XXXX dated XXXX reflecting XXXX Arm's length transaction confirmed. Resolved. - Due Diligence Vendor-10/20/2025 <br> Ready for Review-Document Uploaded. Attached is the original settlement and fraud report. From the fraud guard and just simple searches, this was an arm's length transaction. - Buyer-10/16/2025 <br> Open-Provide proof that the original transaction was an arm's-length transaction / documentation to meet GL 14.2.9 requirements. Per GL 14.2.9 Delayed Financing, Cash-out on properties purchased by the borrower with cash and owned less than 6 months is allowed. The following requirements apply: Original transaction was an arm's-length transaction; Settlement statement from purchase confirms no mortgage financing used to acquire subject; Source of funds used for purchase documented (gift funds may not be included); New loan amount can be no more than the actual documented amount of the borrower's initial investment in purchasing the property plus the financing of closing costs, prepaid fees, and points on the new mortgage loan. - Due Diligence Vendor-10/08/2025 |  | Resolved-Delayed Purchase with the Seller on the Settlement Statement in Findings: XXXX dated XXXX reflecting XXXX. Arm's length transaction confirmed. Resolved. - Due Diligence Vendor-10/20/2025 | XXXX |  |  | FL | Investment | Delayed Purchase | NA | 5828258 | N/A | N/A |
| XXXX | XXXX |  | 304867496 | Closed | 2025-10-06 23:42 | 2025-10-23 09:50 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-10/23/2025 <br> Resolved-1003 Provided, Resolved. - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Document Uploaded. I had sent the 1003 separately and the broker got it signed, see attached. It was sent to the funder. <br>Also – he dated the document like European dates (day/month/year).<br> - Buyer-10/23/2025 <br> Counter-The Final 1003 is Missing 1003 provided is dated XXXX however the closing date is XXXX - Due Diligence Vendor-10/22/2025 <br> Resolved-Final 1003 document provided. - Due Diligence Vendor-10/22/2025 <br> Resolved-The Final 1003 is Present - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. Please see the attached final 1003 - Buyer-10/21/2025 <br> Open-The Final 1003 is Missing Final 1003 is missing in file - Due Diligence Vendor-10/07/2025 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-10/23/2025 <br> Resolved-1003 Provided, Resolved. - Due Diligence Vendor-10/23/2025 <br> Resolved-Final 1003 document provided. - Due Diligence Vendor-10/22/2025 <br> Resolved-The Final 1003 is Present - Due Diligence Vendor-10/22/2025 | XXXX |  |  | NJ | Primary Residence | Purchase | NA | 5796792 | N/A | N/A |
| XXXX | XXXX |  | 304847022 | Closed | 2025-10-09 23:09 | 2025-10-15 17:43 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated 1008 with the correct FICO of 819 provided in Findings. Resolved. - Due Diligence Vendor-10/15/2025 <br>Ready for Review-Document Uploaded. see attached - Buyer-10/15/2025 <br>Open-Qualifying FICO on the 1008 Page is '796' or blank, but the Qualifying FICO from the Credit Liabilities Page is '819' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. The Qualifying FICO on the 1008 Page is '796' but the Qualifying FICO from the Credit Liabilities Page is '819'. Qualifying FICO entries do not match. The Qualifying FICO per GL Matrix: The higher middle score when 3 agency scores are provided or the lower score when only 2 agency scores are provided, of all borrowers / guarantors. For the 3 borrowers, the higher middle score is 819. - Due Diligence Vendor-10/10/2025 |  | Resolved-Updated 1008 with the correct FICO of 819 provided in Findings. Resolved. - Due Diligence Vendor-10/15/2025<br>| XXXX |  |  | CA | Investment | Purchase | NA | 5847893 | N/A | N/A |
| XXXX | XXXX |  | 304840469 | Closed | 2025-10-09 01:36 | 2025-10-20 05:39 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial CD provided. Resolved<br> - Due Diligence Vendor-10/20/2025 <br>Ready for Review-Document Uploaded. attached - Buyer-10/17/2025 <br>Open-TRID: Missing Closing Disclosure Provide Initial Closing Disclosure missing in file. - Due Diligence Vendor-10/09/2025 |  | Resolved-Initial CD provided. Resolved<br> - Due Diligence Vendor-10/20/2025<br>| XXXX |  |  | LA | Primary Residence | Purchase | NA | 5832549 | N/A | N/A |
| XXXX | XXXX |  | 304840469 | Closed | 2025-10-09 02:39 | 2025-10-20 05:16 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Home loan toolkit provided. Resolved. - Due Diligence Vendor-10/20/2025 <br>Ready for Review-Document Uploaded. attached - Buyer-10/17/2025 <br>Open-Provide Toolkit missing from file. - Due Diligence Vendor-10/09/2025 |  | Resolved-Home loan toolkit provided. Resolved. - Due Diligence Vendor-10/20/2025<br>| XXXX |  |  | LA | Primary Residence | Purchase | NA | 5832794 | N/A | N/A |
| XXXX | XXXX |  | 304849043 | Closed | 2025-10-08 01:35 | 2025-10-20 04:24 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Updated Title Commitment uploaded, Title Coverage Amount of $XXXX is equal to Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br> - Due Diligence Vendor-10/20/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-10/20/2025 <br> Ready for Review-Document Uploaded. Updated title uploaded for review. - Buyer-10/17/2025 <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount - Due Diligence Vendor-10/08/2025 |  | Resolved-Updated Title Commitment uploaded, Title Coverage Amount of $XXXX is equal to Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br> - Due Diligence Vendor-10/20/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-10/20/2025 | XXXX |  |  | OH | Investment | Refinance | Cash Out - Other | 5815344 | N/A | N/A |
| XXXX | XXXX |  | 304849043 | Closed | 2025-10-08 01:09 | 2025-10-15 05:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Final Business purpose is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-10/15/2025 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-10/15/2025 <br>Ready for Review-Document Uploaded. Final BPA uploaded for review. - Buyer-10/14/2025 <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Final business purpose affidavit disclosure is missing from file - Due Diligence Vendor-10/08/2025 |  | Resolved-Final Business purpose is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-10/15/2025 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-10/15/2025<br>| XXXX |  |  | OH | Investment | Refinance | Cash Out - Other | 5815253 | N/A | N/A |
| XXXX | XXXX |  | 304840483 | Closed | 2025-10-16 02:58 | 2025-10-28 13:26 | Acknowledged | 2 - Non-Material D B | Compliance | Missing Doc | The Final 1003 is Incomplete | Acknowledged-XXXXAcknowledges - Due Diligence Vendor-10/20/2025 <br>Unable to Resolve-Unable to Resolve-XXXXAgrees to waive; please downgrade to a Non-Material Grade 2.<br> - Buyer-10/20/2025 <br>Open-The Final 1003 is Incomplete LLC 1003 is missing in the file. Provide LLC 1003 - Due Diligence Vendor-10/16/2025 |  | Acknowledged-XXXXAcknowledges - Due Diligence Vendor-10/20/2025<br>|  |  |  | MD | Investment | Purchase | NA | 5912613 | Investor Post-Close | No |
| XXXX | XXXX |  | 304840485 | Closed | 2025-10-15 23:31 | 2025-12-22 13:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-3rd Party Voe missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-10/17/2025 <br>Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-10/17/2025 <br>Ready for Review-Document Uploaded. attached - Buyer-10/16/2025 <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing Provide, 3rd Party VOE Prior to 10 days of closing date is missing in file. - Due Diligence Vendor-10/16/2025 |  | Resolved-3rd Party Voe missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-10/17/2025 <br>Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-10/17/2025<br>| XXXX |  |  | CO | Investment | Purchase | NA | 5911797 | N/A | N/A |
| XXXX | XXXX |  | 304849246 | Closed | 2025-10-20 03:24 | 2025-11-12 12:24 | Resolved | 1 - Information C A | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-Resolved - Due Diligence Vendor-11/12/2025 <br> Ready for Review-Document Uploaded. Please review upload - Seller-11/04/2025 <br> Open- - Due Diligence Vendor-10/24/2025 <br> Open- - Due Diligence Vendor-10/24/2025 <br> Open-The disclosed finance charge ($XXXX) is ($XXXX) below the actual finance charge($XXXX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) - Due Diligence Vendor-10/20/2025 <br> Open- - Due Diligence Vendor-10/20/2025 | Ready for Review-Document Uploaded. Please review upload - Seller-11/04/2025<br>| Resolved-Resolved - Due Diligence Vendor-11/12/2025<br>| XXXX |  |  | TX | Second Home | Purchase | NA | 5943404 | N/A | N/A |
| XXXX | XXXX |  | 304849246 | Closed | 2025-10-24 14:45 | 2025-11-10 13:49 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Updated Lock Provided, Resolved. - Due Diligence Vendor-11/10/2025 <br>Ready for Review-Document Uploaded. Please review upload - Seller-11/04/2025 <br>Open-Rate lock provided on page 1127 does not indicate the condo is non-warrantable. Site Condo with 10 units - all 10 are investor owned with 1 unit for sale. - Due Diligence Vendor-10/24/2025 | Ready for Review-Document Uploaded. Please review upload - Seller-11/04/2025<br>| Resolved-Updated Lock Provided, Resolved. - Due Diligence Vendor-11/10/2025<br>| XXXX |  |  | TX | Second Home | Purchase | NA | 6012577 | N/A | N/A |
| XXXX | XXXX |  | 304849246 | Closed | 2025-10-20 01:28 | 2025-11-05 02:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Requested 3rd Party VOE provided, updated & condition resolved. - Due Diligence Vendor-11/05/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-11/05/2025 <br>Ready for Review-Document Uploaded. Please review upload - Buyer-11/04/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing VOE Prior to Close Missing in loan file. - Due Diligence Vendor-10/20/2025 |  | Resolved-Requested 3rd Party VOE provided, updated & condition resolved. - Due Diligence Vendor-11/05/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-11/05/2025<br>| XXXX |  |  | TX | Second Home | Purchase | NA | 5943128 | N/A | N/A |
| XXXX | XXXX |  | 304849246 | Closed | 2025-10-20 01:49 | 2025-10-29 01:25 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Fico Mis matches from 1008 to credit liabilities, provided Updated 1008, changes made in system, Finding Resolved - Due Diligence Vendor-10/29/2025 <br>Resolved-Validation Resolved - Due Diligence Vendor-10/29/2025 <br>Ready for Review-Document Uploaded. Please review upload - Seller-10/28/2025 <br>Open-Qualifying FICO on the 1008 Page is '760' or blank, but the Qualifying FICO from the Credit Liabilities Page is '764' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. The Qualifying FICO on the 1008 Page is '760', but the Qualifying FICO from the Credit Liabilities Page is '764'. Per GLs, the 'Qualifying FICO: The middle score of 3 or lower score when only 2 agency scores are provided, of primary wage earner' which is 764. - Due Diligence Vendor-10/20/2025 | Ready for Review-Document Uploaded. Please review upload - Seller-10/28/2025<br>| Resolved-Fico Mis matches from 1008 to credit liabilities, provided Updated 1008, changes made in system, Finding Resolved - Due Diligence Vendor-10/29/2025 <br>Resolved-Validation Resolved - Due Diligence Vendor-10/29/2025<br>| XXXX |  |  | TX | Second Home | Purchase | NA | 5943174 | N/A | N/A |
| XXXX | XXXX |  | 304849245 | Closed | 2025-10-21 00:17 | 2025-10-29 04:49 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Resolved, Updated XXXX to XXXX. - Due Diligence Vendor-10/29/2025 <br> Ready for Review-Document Uploaded. - Seller-10/27/2025 <br> Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide the Intent to proceed it's missing from the service file. - Due Diligence Vendor-10/21/2025 | Ready for Review-Document Uploaded. - Seller-10/27/2025<br>| Resolved-Resolved, Updated XXXX to XXXX. - Due Diligence Vendor-10/29/2025 | XXXX |  |  | AZ | Primary Residence | Purchase | NA | 5954017 | N/A | N/A |
| XXXX | XXXX |  | 304849245 | Closed | 2025-10-20 04:41 | 2025-10-28 03:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Requested 3rd party VOE that is within the 10 business days from closing date provided, updated & condition resolved. - Due Diligence Vendor-10/28/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-10/28/2025 <br>Ready for Review-Document Uploaded. - Buyer-10/27/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide VOE for B1, 10 days prior to closing. - Due Diligence Vendor-10/21/2025 |  | Resolved-Requested 3rd party VOE that is within the 10 business days from closing date provided, updated & condition resolved. - Due Diligence Vendor-10/28/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-10/28/2025<br>| XXXX |  |  | AZ | Primary Residence | Purchase | NA | 5943729 | N/A | N/A |
| XXXX | XXXX |  | 304849245 | Closed | 2025-10-22 06:23 | 2025-10-28 02:19 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Service Provider List | Resolved-Settlement service providers list provided. - Due Diligence Vendor-10/28/2025 <br>Ready for Review-Document Uploaded. - Seller-10/27/2025 <br>Open-Provide, Settlement service providers list. It's missing from the service file. - Due Diligence Vendor-10/22/2025 | Ready for Review-Document Uploaded. - Seller-10/27/2025<br>| Resolved-Settlement service providers list provided. - Due Diligence Vendor-10/28/2025<br>| XXXX |  |  | AZ | Primary Residence | Purchase | NA | 5968933 | N/A | N/A |
| XXXX | XXXX |  | 304849245 | Closed | 2025-10-22 06:14 | 2025-10-28 02:18 | Resolved | 1 - Information A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure provided. - Due Diligence Vendor-10/28/2025 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-10/28/2025 <br>Ready for Review-Document Uploaded. - Seller-10/27/2025 <br>Open-Provide the Homeowners Counseling Disclosure it's missing from the service file. - Due Diligence Vendor-10/22/2025 | Ready for Review-Document Uploaded. - Seller-10/27/2025<br>| Resolved-Homeownership Counseling Disclosure provided. - Due Diligence Vendor-10/28/2025 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-10/28/2025<br>| XXXX |  |  | AZ | Primary Residence | Purchase | NA | 5968851 | N/A | N/A |
| XXXX | XXXX |  | 304849245 | Closed | 2025-10-21 00:17 | 2025-10-28 02:17 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Home loan toolkit disclosure provided. - Due Diligence Vendor-10/28/2025 <br>Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-10/28/2025 <br>Ready for Review-Document Uploaded. - Seller-10/27/2025 <br>Open-Provide, The Home loan toolkit disclosure, It's missing from service file. - Due Diligence Vendor-10/21/2025 | Ready for Review-Document Uploaded. - Seller-10/27/2025<br>| Resolved-Home loan toolkit disclosure provided. - Due Diligence Vendor-10/28/2025 <br>Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-10/28/2025<br>| XXXX |  |  | AZ | Primary Residence | Purchase | NA | 5954015 | N/A | N/A |
| XXXX | XXXX |  | 304849245 | Closed | 2025-10-21 00:12 | 2025-10-23 12:11 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Resolved, Lender Credit has not increased.<br>A Lender Credit for Excess Charges of (-$XXXX), Principal Reduction for Excess Charges of ($XXXX), and general or specific lender credit increases of ($XXXX) were applied to the total fee variance of ($XXXX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-10/23/2025 <br> Open- - Due Diligence Vendor-10/23/2025 <br> Open-A Lender Credit for Excess Charges of (-$XXXX), Principal Reduction for Excess Charges of ($XXXX), and general or specific lender credit increases of ($XXXX) were applied to the total fee variance of ($XXXX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Lender Credit has not increased. - Due Diligence Vendor-10/22/2025 <br> Open- - Due Diligence Vendor-10/23/2025 <br> Open- - Due Diligence Vendor-10/23/2025 <br> Open- - Due Diligence Vendor-10/23/2025 <br> Open- - Due Diligence Vendor-10/23/2025 <br> Open- - Due Diligence Vendor-10/21/2025 |  | Resolved-Resolved, Lender Credit has not increased.<br>A Lender Credit for Excess Charges of (-$XXXX), Principal Reduction for Excess Charges of ($XXXX), and general or specific lender credit increases of ($XXXX) were applied to the total fee variance of ($XXXX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-10/23/2025 |  |  |  | AZ | Primary Residence | Purchase | NA | 5953988 | N/A | N/A |
| XXXX | XXXX |  | 304859627 | Closed | 2025-10-23 01:31 | 2025-10-27 23:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Bank Statement Summary Lender Worksheet / Income Calculator provided. - Due Diligence Vendor-10/28/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-10/28/2025 <br>Ready for Review-Document Uploaded. this was in the original closing package uploaded and matches the income on 1008/1003. - Seller-10/27/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Lender income worksheet is missing in file. <br> - Due Diligence Vendor-10/23/2025 | Ready for Review-Document Uploaded. this was in the original closing package uploaded and matches the income on 1008/1003. - Seller-10/27/2025<br>| Resolved-Bank Statement Summary Lender Worksheet / Income Calculator provided. - Due Diligence Vendor-10/28/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-10/28/2025<br>| XXXX |  |  | MD | Primary Residence | Purchase | NA | 5982997 | N/A | N/A |
| XXXX | XXXX |  | 304859627 | Closed | 2025-10-23 03:45 | 2025-10-27 08:08 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (7.729%) APR equals or exceeds the Federal HPML threshold of (7.72%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.22%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> TRID Header Disclosure Page was entered correctly <br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Rate lock date was entered correctly. <br> Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s438<br> Final Closing disclosure on Pg#'207<br> Rate lock doc on pg-205<br> An interior and exterior appraisal was completed for this property on pg-35. <br> A copy of the appraisal was given to the borrower on pgs-407<br> confirmation the appraisal was delivered to the borrower – see Pg#'s 203.<br> The loan meets HPML Guidelines, resolved.<br> - Due Diligence Vendor-10/23/2025 <br>Open- - Due Diligence Vendor-10/27/2025 <br>Open- - Due Diligence Vendor-10/23/2025 <br>Open- - Due Diligence Vendor-10/23/2025 |  | Resolved-The loan's (7.729%) APR equals or exceeds the Federal HPML threshold of (7.72%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.22%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> TRID Header Disclosure Page was entered correctly <br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Rate lock date was entered correctly. <br> Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s438<br> Final Closing disclosure on Pg#'207<br> Rate lock doc on pg-205<br> An interior and exterior appraisal was completed for this property on pg-35. <br> A copy of the appraisal was given to the borrower on pgs-407<br> confirmation the appraisal was delivered to the borrower – see Pg#'s 203.<br> The loan meets HPML Guidelines, resolved.<br> - Due Diligence Vendor-10/23/2025<br>|  |  |  | MD | Primary Residence | Purchase | NA | 5984127 | N/A | N/A |
| XXXX | XXXX |  | 304859627 | Closed | 2025-10-23 03:45 | 2025-10-27 08:08 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Maryland - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-Under the Regulations adopted by the Maryland Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (7.729%) equals or exceeds the Maryland Higher-Priced Mortgage threshold of (7.72%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.22%). (COMAR 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> TRID Header Disclosure Page was entered correctly <br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Rate lock date was entered correctly. <br> Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s438<br> Final Closing disclosure on Pg#'207<br> Rate lock doc on pg-205<br> An interior and exterior appraisal was completed for this property on pg-35. <br> A copy of the appraisal was given to the borrower on pgs-407<br> confirmation the appraisal was delivered to the borrower – see Pg#'s 203.<br> The loan meets HPML Guidelines, resolved.<br> - Due Diligence Vendor-10/23/2025 <br>Open- - Due Diligence Vendor-10/27/2025 <br>Open- - Due Diligence Vendor-10/23/2025 <br>Open- - Due Diligence Vendor-10/23/2025 |  | Resolved-Under the Regulations adopted by the Maryland Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (7.729%) equals or exceeds the Maryland Higher-Priced Mortgage threshold of (7.72%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.22%). (COMAR 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> TRID Header Disclosure Page was entered correctly <br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Rate lock date was entered correctly. <br> Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s438<br> Final Closing disclosure on Pg#'207<br> Rate lock doc on pg-205<br> An interior and exterior appraisal was completed for this property on pg-35. <br> A copy of the appraisal was given to the borrower on pgs-407<br> confirmation the appraisal was delivered to the borrower – see Pg#'s 203.<br> The loan meets HPML Guidelines, resolved.<br> - Due Diligence Vendor-10/23/2025<br>|  |  |  | MD | Primary Residence | Purchase | NA | 5984126 | N/A | N/A |
| XXXX | XXXX |  | 304893312 | Closed | 2025-11-03 01:38 | 2025-11-04 16:09 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Received pay history for prior meets guidelines. Updated credit page. - Due Diligence Vendor-11/04/2025 <br> Ready for Review-Document Uploaded. The borrower's prior property at XXXX was paid off with XXXX. XXXX IS on the credit report. Opened in XXXX paid/closed XXXX. Documents in file show satisfaction of lien and letter from XXXX with account number to match up to CBR. Please review. - Seller-11/04/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Primary Mortgage or Current Rent History actual 10 months verified from credit report page #246 and unable to verify the housing history of Prior property address"XXXX" - Due Diligence Vendor-11/03/2025 | Ready for Review-Document Uploaded. The borrower's prior property at XXXX was paid off with XXXX. XXXX IS on the credit report. Opened in XXXX paid/closed XXXX. Documents in file show satisfaction of lien and letter from XXXX with account number to match up to CBR. Please review. - Seller-11/04/2025 | Resolved-Received pay history for prior meets guidelines. Updated credit page. - Due Diligence Vendor-11/04/2025<br>| XXXX |  |  | NC | Investment | Purchase | NA | 6094109 | N/A | N/A |
| XXXX | XXXX |  | 304852982 | Closed | 2025-11-07 15:28 | 2025-11-17 10:45 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-11/17/2025 <br> Ready for Review-Document Uploaded. See credit supplement- XXXX to XXXX XXXX - Buyer-11/14/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing 12 month housing history for primary residence. - Due Diligence Vendor-11/07/2025 |  | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-11/17/2025<br>| XXXX |  |  | FL | Investment | Purchase | NA | 6179912 | N/A | N/A |
| XXXX | XXXX |  | 304893368 | Closed | 2025-11-05 00:01 | 2025-11-05 14:26 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.206%) APR equals or exceeds the Federal HPML threshold of (7.74%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.24%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #703, 705, 733 and the Final Closing disclosure on Pg #462, Finding reflects escrows. Rate lock date was entered correctly – see Pg #450, 715. An interior and exterior appraisal was completed for this property – see Pg #21, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #514, 757. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-11/05/2025 <br>Open- - Due Diligence Vendor-11/05/2025 <br>Open- - Due Diligence Vendor-11/05/2025 <br>Open- - Due Diligence Vendor-11/05/2025 |  | Resolved-The loan's (8.206%) APR equals or exceeds the Federal HPML threshold of (7.74%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.24%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #703, 705, 733 and the Final Closing disclosure on Pg #462, Finding reflects escrows. Rate lock date was entered correctly – see Pg #450, 715. An interior and exterior appraisal was completed for this property – see Pg #21, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #514, 757. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-11/05/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 6127903 | N/A | N/A |
| XXXX | XXXX |  | 304893368 | Closed | 2025-11-05 00:01 | 2025-11-05 14:26 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.206%) equals or exceeds the California HPML threshold of (7.74%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.24%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #703, 705 ,733 and the Final Closing disclosure on Pg #462, Finding reflects escrows. Rate lock date was entered correctly – see Pg #450, 715. An interior and exterior appraisal was completed for this property – see Pg #21, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #514, 757. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-11/05/2025 <br>Open- - Due Diligence Vendor-11/05/2025 <br>Open- - Due Diligence Vendor-11/05/2025 <br>Open- - Due Diligence Vendor-11/05/2025 |  | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.206%) equals or exceeds the California HPML threshold of (7.74%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.24%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #703, 705 ,733 and the Final Closing disclosure on Pg #462, Finding reflects escrows. Rate lock date was entered correctly – see Pg #450, 715. An interior and exterior appraisal was completed for this property – see Pg #21, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #514, 757. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-11/05/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 6127904 | N/A | N/A |
| XXXX | XXXX |  | 304893248 | Closed | 2025-11-06 08:01 | 2025-11-07 07:01 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Corrected Loan Approval received. - Due Diligence Vendor-11/07/2025 <br> Ready for Review-Document Uploaded. - Seller-11/06/2025 <br> Open-Per the provided 1008 and the Initial 1003, the Primary Residence expense is $XXXX, which matches the Credit Report amount, but was reported XXXX (on an account opened XXXX). Per the actual mortgage statements dated XXXX & XXXX, the fully escrowed PITIA payment is actually$XXXX, which was updated for the Final 1003. However, it was never updated on the 1008 or the Loan Approval. This caused a DTI issue on both the 1008 & the Loan Approval. - Due Diligence Vendor-11/06/2025 | Ready for Review-Document Uploaded. - Seller-11/06/2025<br>| Resolved-Corrected Loan Approval received. - Due Diligence Vendor-11/07/2025<br>| XXXX |  |  | NC | Investment | Purchase | NA | 6153042 | N/A | N/A |
| XXXX | XXXX |  | 304893248 | Closed | 2025-11-06 06:55 | 2025-11-07 07:01 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Corrected 1008 received. - Due Diligence Vendor-11/07/2025 <br> Ready for Review-Document Uploaded. - Seller-11/06/2025 <br> Open-The 1008 document is missing from the loan file. Per the provided 1008 and the Initial 1003, the Primary Residence expense is $XXXX, which matches the Credit Report amount, but was reported XXXX (on an account opened XXXX). Per the actual mortgage statements dated XXXX & XXXX, the fully escrowed PITIA payment is actually$XXXX, which was updated for the Final 1003. However, it was never updated on the 1008 or Loan Approval. This caused a DTI issue as well. - Due Diligence Vendor-11/06/2025 | Ready for Review-Document Uploaded. - Seller-11/06/2025<br>| Resolved-Corrected 1008 received. - Due Diligence Vendor-11/07/2025<br>| XXXX |  |  | NC | Investment | Purchase | NA | 6151947 | N/A | N/A |
| XXXX | XXXX |  | 304902747 | Closed | 2025-11-09 22:27 | 2025-11-12 11:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-11/12/2025 <br>Ready for Review-Document Uploaded. - Seller-11/12/2025 <br>Counter-Please send the the front of the Card as well. Back of it was uploaded twice. - Due Diligence Vendor-11/12/2025 <br>Ready for Review-Document Uploaded. - Seller-11/10/2025 <br>Open-Borrower 1 Non-US Citizen Identification Document Missing. Please provide acceptable documentation. Borrower is Permanent resident alien, Provide Permanent resident card as its missing in file. - Due Diligence Vendor-11/10/2025 | Ready for Review-Document Uploaded. - Seller-11/12/2025 <br>Ready for Review-Document Uploaded. - Seller-11/10/2025<br>| Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-11/12/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 6188103 | N/A | N/A |
| XXXX | XXXX |  | 304902747 | Closed | 2025-11-09 23:10 | 2025-11-09 23:28 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.485%) APR equals or exceeds the Federal HPML threshold of (7.66%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.16%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #375,476 and the Final Closing disclosure on Pg #257, Finding reflects escrows. Rate lock date was entered correctly – see Pg #256,385. An interior and exterior appraisal was completed for this property – see Pg #29, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #59,451,452. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-11/10/2025 <br>Open- - Due Diligence Vendor-11/10/2025 <br>Open- - Due Diligence Vendor-11/10/2025 <br>Open- - Due Diligence Vendor-11/10/2025 |  | Resolved-The loan's (8.485%) APR equals or exceeds the Federal HPML threshold of (7.66%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.16%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #375,476 and the Final Closing disclosure on Pg #257, Finding reflects escrows. Rate lock date was entered correctly – see Pg #256,385. An interior and exterior appraisal was completed for this property – see Pg #29, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #59,451,452. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-11/10/2025<br>|  |  |  | FL | Primary Residence | Purchase | NA | 6188297 | N/A | N/A |
| XXXX | XXXX |  | 304893196 | Closed | 2025-11-18 07:36 | 2025-11-20 05:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Asset 5 Missing | Resolved-Updated asset page. - Due Diligence Vendor-11/20/2025 <br> Ready for Review-Document Uploaded. attached - Seller-11/19/2025 <br> Open-Need the wire confirmation for the gift funds in amount of XXXX - Due Diligence Vendor-11/18/2025 | Ready for Review-Document Uploaded. attached - Seller-11/19/2025<br>| Resolved-Updated asset page. - Due Diligence Vendor-11/20/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 6287783 | N/A | N/A |
| XXXX | XXXX |  | 304893196 | Closed | 2025-11-18 05:57 | 2025-11-18 07:39 | Waived | 2 - Non-Material B | Credit | Eligibility | Seller Contribution Exceeds Program Maximum | Waived-Loan exception approved, IPC exceeds max allowed of XXXX%. Ok to proceed with subject IPC at XXXX% (XXXX). Exception form on pg#630. - Due Diligence Vendor-11/18/2025 |  | Waived-Loan exception approved, IPC exceeds max allowed of XXXX%. Ok to proceed with subject IPC at XXXX% (XXXX). Exception form on pg#630. - Due Diligence Vendor-11/18/2025 |  |  | <br> DTI is 30.51%. Maximum allowed per guidelines is 45%.<br> Residual Income is $11782.57. Minimum Residual Income required per guidelines is $10000. <br> Credit score is 719 all that is required is 700 <br> Borrower has 11.1 months of reserves all that is needed is 3 months | FL | Primary Residence | Purchase | NA | 6286142 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 304893196 | Closed | 2025-11-17 22:01 | 2025-11-17 22:37 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.016%) APR equals or exceeds the Federal HPML threshold of (7.74%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.24%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 620 and the Final Closing disclosure on Pg#'s 297, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 295. An interior and exterior appraisal was completed for this property – see pg#32, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 688, and confirmation the appraisal was delivered to the borrower – see Pg#'s 285. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-11/18/2025 <br>Open- - Due Diligence Vendor-11/18/2025 <br>Open- - Due Diligence Vendor-11/18/2025 |  | Resolved-The loan's (9.016%) APR equals or exceeds the Federal HPML threshold of (7.74%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.24%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 620 and the Final Closing disclosure on Pg#'s 297, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 295. An interior and exterior appraisal was completed for this property – see pg#32, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 688, and confirmation the appraisal was delivered to the borrower – see Pg#'s 285. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-11/18/2025<br>|  |  |  | FL | Primary Residence | Purchase | NA | 6283418 | N/A | N/A |

---

## Exhibit 99.45

[j.p. morgan acceptance corporation ii abs-15G](jpmmt-abs15g.htm)

**Exhibit 99.45**

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXX |  | 304639283 | XXXX C A |
| XXXX |  | 304668416 | XXXX C A B |
| XXXX |  | 304642284 | XXXX A |
| XXXX |  | 304631912 | XXXX A D B |
| XXXX |  | 304692881 | XXXX A D B |
| XXXX |  | 304498077 | XXXX D C A B |
| XXXX |  | 304692737 | XXXX C D A |
| XXXX |  | 304709110 | XXXX D C A |
| XXXX |  | 304719901 | XXXX A B |
| XXXX |  | 304734521 | XXXX D A B |
| XXXX |  | 304733109 | XXXX D A B |
| XXXX |  | 304717874 | XXXX A |
| XXXX |  | 304734540 | XXXX B A |
| XXXX |  | 304730950 | XXXX D A |
| XXXX |  | 304759800 | XXXX D A B |
| XXXX |  | 304719727 | XXXX D A |
| XXXX |  | 304757892 | XXXX D A B |
| XXXX |  | 304734262 | XXXX B A |
| XXXX |  | 304758041 | XXXX A |
| XXXX |  | 304817894 | XXXX A |
| XXXX |  | 304789475 | XXXX D A |
| XXXX |  | 304821106 | XXXX C D A B |
| XXXX |  | 304825246 | XXXX A D |
| XXXX |  | 304825255 | XXXX A D |
| XXXX |  | 304825137 | XXXX A |
| XXXX |  | 304859552 | XXXX D A |
| XXXX |  | 304840487 | XXXX A |
| XXXX |  | 304845630 | XXXX A C |
| XXXX |  | 304825249 | XXXX A |
| XXXX |  | 304840486 | XXXX A |
| XXXX |  | 304757893 | XXXX D A |
| XXXX |  | 304825248 | XXXX A |
| XXXX |  | 304845665 | XXXX C A |
| XXXX |  | 304867496 | XXXX A D |
| XXXX |  | 304847022 | XXXX C A |
| XXXX |  | 304840469 | XXXX A D |
| XXXX |  | 304849043 | XXXX D A |
| XXXX |  | 304840483 | XXXX A D B |
| XXXX |  | 304840485 | XXXX D A |
| XXXX |  | 304862227 | XXXX A |
| XXXX |  | 304849246 | XXXX D A |
| XXXX |  | 304849245 | XXXX D A |
| XXXX |  | 304845623 | XXXX A |
| XXXX |  | 304859627 | XXXX D A |
| XXXX |  | 304893312 | XXXX C A |
| XXXX |  | 304852982 | XXXX C A |
| XXXX |  | 304852980 | XXXX A |
| XXXX |  | 304893368 | XXXX A |
| XXXX |  | 304893248 | XXXX D A |
| XXXX |  | 304908604 | XXXX A |
| XXXX |  | 304902747 | XXXX D A |
| XXXX |  | 304847838 | XXXX A |
| XXXX |  | 304893196 | XXXX D A B |

---

## Exhibit 99.46

[j.p. morgan acceptance corporation ii abs-15G](jpmmt-abs15g.htm)

**Exhibit 99.46**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX |  | 304668416 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 1 | XXXX |
| XXXX |  | 304692737 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 2.6 | XXXX |
| XXXX |  | 304709110 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1.6 | XXXX |
| XXXX |  | 304719901 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| XXXX |  | 304717874 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| XXXX |  | 304734540 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  | XXXX |
| XXXX |  | 304719727 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.3 | XXXX |
| XXXX |  | 304734262 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0419 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX | .0419 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304758041 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | 53.36 | 53.36 | XXXX | XXXX | -.0759 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX | -.0759 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304817894 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 50.0 | 50.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX |  | 304825246 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 1 | XXXX |
| XXXX |  | 304825137 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 55.61 | 55.61 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2 | XXXX |
| XXXX |  | 304859552 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.6 | XXXX |
| XXXX |  | 304840487 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0791 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX |  | 304845630 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX |  | 304840486 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 1 | XXXX |
| XXXX |  | 304757893 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | 73.55 | 73.55 | XXXX | XXXX | -.0710 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX | -.0710 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304825248 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 1 | XXXX |
| XXXX |  | 304867496 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| XXXX |  | 304840485 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX |  | 304849245 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.7 | XXXX |
| XXXX |  | 304845623 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| XXXX |  | 304859627 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX |  | 304893312 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX |  | 304852982 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| XXXX |  | 304852980 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| XXXX |  | 304893368 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX |  | 304908604 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX |  | 304902747 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX |  | 304847838 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | 850000.0 | 0.0 | .0000 | ClearCapital | 09-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304893196 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX |  | 304733109 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0236 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0236 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304757892 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0385 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0385 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304789475 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0065 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0065 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304821106 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304847022 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | 36.5 | 36.5 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304642284 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| XXXX |  | 304631912 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304692881 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304498077 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304845665 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304840469 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX |  | 304849043 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.5 | XXXX |
| XXXX |  | 304840483 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX |  | 304849246 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 74.58 | 74.58 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304639283 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304734521 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0455 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0455 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304730950 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 66.37 | 66.37 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible |  | XXXX |
| XXXX |  | 304825255 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible |  | XXXX |
| XXXX |  | 304862227 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | 34.6 | 34.6 | XXXX | XXXX | .0035 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0035 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304893248 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304759800 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304825249 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 53.8 | 53.8 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |

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